Category Archives: Business

Assuring Your Financial Literacy

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The financial wellness expert, Nadeem Shaikh Anthemis, teaches people on how to handle and balance their checkbook, create a household budget, and plan for retirement. One needs to view money as a useful tool to help with the expenses. To get you started, below is a list of tips you can journey towards financial literacy.

  • Know Where to Start

If you have no idea where you are financially, it may be difficult to plan where you want to be in the succeeding years.You need to know your starting point, so you’ll find financial wellness in the future. Calculate your net worth, so you know how to progress in time. You need to know your net worth to be on the right track.

  • Set Your Priorities

Ensure you prioritize your needs and wants by creating a list. Needs are something you need to survive such as food, clothing, shelter, transportation and healthcare. Wants are something you like to own but are not necessarily important. Most people spend so much on what they want and don’t have enough for their needs. To ensure financial wellness, rank what you need and want, so you never run out of money.

  • Write Your Spending

Many people can tell you how much money they can make for a year, but not everyone tells you how much they spent. Fewer people don’t even know how and where they spent their money. To ensure you figure out your cash flow, create a budget or a plan on how to spend your money. If you do this, you ensure what you earn are used to buy things that you need.

  • Pay Your Debt

Almost all people have all sorts of debts. What makes them drowned with debts is not paying regularly. Their income is insufficient to pay for their needs, plus, there is compounded interest and other fees involved. This then will make you emotionally drained and don’t know what to do. To ensure you have good debts, learn to pay them well and never go beyond your means.

  • Secure Your Future

To ensure you have a happy retirement, invest in a retirement plan or save some money to spend when you are no longer capable to work. Ask Nadeem Shaikh Anthemis for advice on how to prepare you for your future.

Finance

Windscreen Replacement Firms Fighting To Keep Up With New Tech

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From mechanics to auto glass mobile replacement, windscreen replacement companies are spending millions in order to keep up with the latest in vehicle tech; with funding going into the needed tools and training for the proper recalibration of screen-based car safety systems, which are becoming more and more commonplace.

Advanced driver assistance systems (ADAS), like autonomous emergency braking, are typically reliant on windshield-mounted cameras in order to operate. The problem being that, when the windshield is taken for auto glass mobile replacement, they require recalibration, as they might not be able to function properly, if at all.

In the UK, about 1% of vehicles require recalibration after a windscreen replacement back in 2015, but the number has since gone up to 9% for privately-owned vehicles and 34% for fleet vehicles, the latter due to being newer.

To deal with the matter, several companies are pouring funds into calibration-related developments. National Windscreen recently invested £2 million in ADAS recalibration, while Autoglass will be launching 14 new calibration centres, on top of 70 of its workshops having calibration capability by December.

Head of Technical Superiority Belron, Autoglass’s parent company, Dr. Chris Davies explained that recalibration is required because of natural tolerance issues with glass manufacturing, which tends to reposition the cameras when a new windscreen is put in place. If the camera isn’t recalibrated it jeopardizes the safety of the customer.

Most models require ‘static’ calibration, which can be done in a workshop, while others require ‘dynamic’ calibration on the road. Both types require properly trained technicians, but the latter is much more difficult.

Davies explains that, for dynamic calibration, the vehicle must travel at a certain speed for a certain amount of time, which can be problematic in the busy UK roads, or at certain times of the year, like in winter.

He also warns that smaller windscreen companies might have trouble keeping up with technological developments, with the challenge being understanding what vehicle has what ADAS system fitted to it.

Autoglass is a major company with plenty of manpower, but Davies warns that, for small organization or a one-man band, asking how will they keep up with the latest technology, and the latest methods.

Phuket Hotels Unite To Save The Island From Plastic And Overtourism

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Every few weeks, a new luxury hotel in Phuket opens, a sign of the booming tourism industry in the island and the country. That same tourism industry, however, brings plastic and pollution, so much of it, that hoteliers on the island have banded together to fight back.

Today, many of the island’s shores are packed with tourists and their trash, particularly during high season. Trash like plastic bags are now floating in the ocean, which has lead to huge efforts to conserve the island’s marine life and natural beauty that were responsible for bringing in tourists in the first place.

Trisara Managing Director and President of the Phuket Hotel Association Anthony Lark, came to the island 31 years ago, opening one of the earliest luxury hotel in Phuket, and he described the island as the quiet, deserted and pristine.

The negative impact brought on by mass tourism across the world have been making headlines in recent years. Back in 2017, people living in Barcelona and Venice had enough and took to the streets to protest against mass tourism.

In Southeast Asia, tourism has also been felt. Officials were recently forced to close the Maya beach indefinitely to visitors. The bay, which became popular thanks to the Leonardo DiCaprio film The Beach, was closed in June for four months thanks to environmental damage brought in by tourism. The hope was that the ecosystem should’ve recovered, but a government survey noted that the damage was actually worse than originally thought.

To fight back against the pollution, the Phuket Hotel Association and its members have banded together in order to cut down on their island as one of the few first steps to conserve and preserve Phuket. Educational programmes with local communities, as well as campaigns promoting responsible tourism are being rolled out.

All of the members of the PHA have also agreed to phase out single-use plastic and implement plans in order to stop the use of plastic water bottles and straws by 2019. Lark’s 40-villa resort used to send approximately 250,000 plastic bottles to landfills, but, now, the resort now uses reusable glass bottles.

IHG Director of Corporate Responsibility for Europe, Middle East, Africa, Asia and Greater China, Michael Blanding, says that the discussions are already ongoing and never-ending, but someone has to start somewhere.

 

 

Reasons Why Homeowners Must Splurge On Splashbacks

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When it comes to choosing a kitchen splashback, it is better to splurge than skimp. Custom cabinets, snazzy appliances and a well-equipped island are the pride of homeowners but what will likely catch the attention of visitors is the small stretch of wall above the sink that is more popularly known as the splashback. Do not miss on the opportunity to make a grand statement through kitchen splashback tiles mosaic in different colours and patterns.

In most kitchens, the splashback is the integral key to overall aesthetics. According to Alissa Bennett, design manager of Kolter Homes in Florida, the prime location of the splashback must incorporate something that is unique and fun. Aside from enhancing aesthetics, the splashback serves a functional purpose like protecting kitchen walls from dirt and stains.

Meanwhile, David Yowell of David Yowell Construction in McKinney, Texas suggests that splashbacks must complement the countertops and add colour, depth and beauty to a room. The easily washable surface will ensure that the kitchen looks cleaner.

According to Houzz Kitchen trends study that was published this year, it was revealed that 9 out of 10 homeowners who have undertaken kitchen renovations have upgraded their splashbacks. In 2017, the most popular colours were white, multicoloured and gray. White splashbacks are more likely to appear in kitchens of baby boomers as well as millennials.

However, other homeowners prefer ceramic, porcelain or glass tiles including natural stone like marble, travertine, granite or quartz. Others go for kitchen splashback tiles mosaic that is more colourful and prominent.

The two more popular splashback trends for 2018 include the scalloped or fish-scale pattern tile that offers more movement and a little more interest than the traditional rectangular tile and the splashback that looks like wallpaper sans the paper. There are elaborate patterns that are durable enough to withstand detergents.

Many homeowners are also moving from natural stone to the brightly coloured kitchen splashback tiles mosaic that looks beautiful and realistic. The design is perfect for homeowners who desire texture and patterns that will contrast with the simplicity of the countertop surfaces. Furthermore, the mosaic maintains a classic and trendy look that will not date very quickly.

Expat Students Turning To Tuition Centers

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All over the world, Singapore has been tagged as the tuition nation. In fact, surveys have shown that parents and students are spending around $1.1 billion annually enrolled in home tuition Singapore which is not surprising at all. This so-called tuition bug used to affect only the local students and parents but latest reports indicate that even international students now have tuition too.

According to different tuition agencies and centers in the country, they have seen rapid growth in the number of expat students enrolled in international schools that are going to them looking for help as they are about to their exams for International General Certificate of Secondary Education or their IB which stands for International Baccalaureate.

In an interview with the founder of a tuition agency, Mr. Rum Tan, he said that in 2014 less than 50 expat students have been enrolled in the programs in his agency. Their number is not even 5 per cent of the total number of students they have.

The exponential increase was noted starting January of 2017 until October of the same year when the number of expat students they have assigned for private tutoring reaches almost a thousand. Now their total number makes up 20 per cent of the entire client population of the tuition agency.

Majority of these expat students are from Australia and Britain and they are enrolled in schools such as Tanglin Trust Schoo, United World College South East Asia and Anglo-Chinese School which is an independent school.

A number of tuition centers and agencies have also reported that they have seen a sudden increase in the number of their expat students. The trend of supplementing regular schooling with tuition stems from the fact that there is stiff competition from the students. Both locals and expats are vying for slots in schools as well as to be able to apply in the universities they want.

These reasons alone are what drive the tuition bug even to international students. The sentiments of home tuition Singapore is that there is not enough time spent in school in order for the students to learn what they need to.

What To Do To Taste International Cuisine In Rayong

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Thailand is a traditional country rich in culture and history. The official language of the country is Thai though you find people speaking in Chinese or Malay. In key cities like Bangkok, the English language is well spoken and understood. People here are mostly Buddhists and you’ll find their strong family values. You’ll find out how the locals live in Thailand, especially when you get to taste international cuisine in Rayong.

The delectable Thai international cuisine in Rayong can provide a glimpse of the marvellous Thai culture. You can also find here a host of international cuisines that you’ll like to sample. Thai cuisine is noted for spices and they are usually served with rice. Here you’ll value the importance of sauces and gravies in Thai cuisine.

For your Thailand tour package, you can start at the Democracy Monument to celebrate the country’s first constitution. You can go next to the Grand Palace in Bangkok to see the ethnic style showing the importance of Thai culture. Today, it’s now a museum to enjoy the cultural heritage of the country.

If you travel to Rayong, you’ll find a wide variety of economical inns to boutique and luxury hotels.  You’ll definitely enjoy the various types of accommodation you choose as hotel staff are extremely friendly and hospitable. You’ll also find nearby shopping malls to buy famous brands and souvenirs to take home. You can also enjoy popular restaurants that serve international cuisine in Rayong to fill your hungry stomachs.

Also, in Thailand, you’ll find various people of different ethnic backgrounds. It’s your chance to mingle with them while enjoying your trip. So, ensure that you get to see the various places of this very diverse country. So, choose a Thailand package that will make you have a fun and worthwhile experience here.

To come to Thailand especially in cities like Bangkok and Rayong, you’ll have plenty to do here. So, if you’re now planning a Bangkok tour package, ensure you have arranged it with a reputed travel operator to see the best places. They can also arrange for some thrilling and exciting adventure activities. You can also enjoy international cuisine in Rayong with the whole family should you come here.

The Orchid Industry In Brief: Floriculture Industry In The United States

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Many florists and vendors look to Malaysia, Vietnam, and Thailand orchids wholesale companies as suppliers for their businesses, but as it turns out, there is more to the orchid industry than cultivating, shipping, and selling the plants.

 

Why it’s popular

Orchids are a symbol of beauty and luxury. During the Ming Dynasty in China, these flowers had to be searched for in hard-to-reach places, which contributed to its status as a rare flower. In China, people believed that orchids have curing capabilities doom boils, to neuralgia, diarrhoea, venereal diseases, and even illnesses among elephants. Common cigar orchids were once used as lubricant for violin strings in South America. In Iran today, there is a special orchid ice cream served as a special treat.

 

Orchids Today

In the past, cultivating orchids was a difficult task because some species are endemic, meaning they couldn’t grow in other areas except where they exist, while others need special attention because of seed-eating flies. However, through improvements in technology, floriculture, and agriculture, Vietnam, Malaysia, and Thailand orchids wholesale companies are able to mass-produce these flowers more efficiently.

 

In China, the Shenzhen Nongke Group of China spent eight years to cultivate a special kind of orchid sold at about $202,000. It is considered as the most expensive flower bought.

 

Serious Business

Orchids once grew in abundance in Florida, but today, it is serious business. Florida has the most commercial orchid cultivators in the United States, as shown in the statistics of the US Department of Agriculture. The industry in Florida produces up to $100,000 or even higher in terms of annual sales. Most of these commercial growers are located in Miami, Orlando, Apopka, and Homestead.

 

According to the USDA, the increase in the number of commercial growers in Florida has led to the increase in the sales of potted orchids by up to 12%. Cut orchids, however, are not as poplar, as exports dropped by more than 25%, causing up to USD 15 million worth of loss.

 

However, there are cases of orchid smuggling that has been reported in October 2014. Experts say that it often happens in seaports. Smugglers sometimes hide them in containers or suitcases, which often result to the flowers getting beat up. However, the authority still seizes these.