Category Archives: Safety

Banks In UK Ready For Brexit?

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Leonardo Gonzalez Dellan is a successful banker in his early career therefore he recognizes the pressure that is currently felt by financial institutions in the United Kingdom. Only six months left until the deadline given for the Brexit negotiations is coming to an end. As with any major changes, banks are exposed because of operational risks present. The big question now is whether the banks in Great Britain are already prepared for what is coming?

There is nothing concrete that has been announced yet with regards to Brexit negotiations and how things will unfold will determine the future of banks in Britain that are internationally active. The banks and even their regulators did not send out any indication that they are already prepared with the upcoming Brexit. This is why many of the investors are already worried, not to mention the rating agencies.

Ever since the voting that transpired two years ago, United States banks have not shown any indications whether they are already prepared for the upcoming Brexit. According to Basel Committee on Banking Supervision or BCBS, operational risk is a form of loss, whether directly or indirectly, that is the result of failure from internal systems, people or process and it could also be caused by external events.

It is not easy to determine operational risk therefore it is also hard to identify how much capital should be set aside in order for the bank to withstand any losses that might results from the market disruption. Even regulators are not questioning banks as to the provisions they have prepared in order to cover the operational risk that will result from the Brexit negotiations.

Majority of the attention has been shifted towards the economy of the United Kingdom because of the impact of Brexit but what many do not realize is that the problem is not isolated to British banks alone. In fact, according to Leonardo Gonzalez Dellan who is an excellent banker, Brexit is going to change the scene of international financial services. Because of the status of Great Britain in the financial circle, many banks all over the globe should be aware of the impact that Brexit negotiations will have.

How Courier Quote Can Save You Money For Courier Services

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Nowadays, one has to spend their money wisely and save when needed. If you had to spend something for a courier like buying a new furniture or having things delivered to your customers, the following tips below can help cut the expenses for delivery. In short, you need to get a courier quote to know how much you’ll be spending for it.

  • Get lots of quotes: If you want the best of your delivery, secure a courier quote for all the items you need to be delivered. If you get more quotes, it helps you choose a courier company with the best price. Contact various couriers to give you some quotes and choose among these providers the one that gives a reasonable deal. Usually these quotes will provide the best reduced price.

 

  • Be more patient: You have to provide a flexible date for your collection and delivery. If the courier passes on your route at least twice or thrice a week, they can possibly give you a lower price on said days. If you are flexible with your dates, you make the pickup time a delivery bargain. Also, if you want to deliver merchandise through couriers on a regular basis, consider holding back few items and have them delivered all at the same time. One huge cost that couriers make is having an empty trip to the collection point from the delivery point. If you have several deliveries in one trip, the courier can save some costs and will pass these savings to you.

 

  • Ask about the courier quote: If the courier company provides you a quote that is a bit out of your budget, you may ask if they can lower it down. Sometimes, they can minimise the price on certain days to fit their route, or they can choose to bargain it with you. If the courier refuses to reduce the price, you need to check back other quotes that you have received. It’salso a way to determine you’re getting a fair price for the courier services.

The following are helpful tips to get the best savings for all your deliveries without affecting the service quality and how your customers will receive it.

How To Enjoy Scuba Diving In Thailand?

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You will find the best scuba diving in Thailand along the Andaman Sea, which is at the country’s west. The best dive spots never to miss are in the southwest: Hin Mouang (Purple Rock) and Hin Daeng (Red Rock). Surin and Similan Islands are also best places to go diving.

The best time to visit Thailand is from October till April where the Andaman sea waters are at its best. In March and April, you can observe giant manta rays at the Similans. At Richelieu Rock, you be fortunate to view whale sharks around this time. From May to September, you experience heavy rainfall on the west coast. The marine reserves are closed for diving between May to October to ensure safety. Koh Tao is also another great spot for scuba diving in Thailand, but they can be overcrowded.

Thailand is a tropical country with very clear waters and an average sea temperature of 28oC. The Thai locals are so friendly and welcoming. You will also enjoy the foods served here. You’ll unlikely find an obese Thai, which means their foods are nutritious and delicious. You’ll find a savory watery mouth ever enjoying these delectable dishes.

The Thai government tries to safeguard their coral reefs, and they may close dive sites if required. The authorities impose stringent controls especially in the aquatic national parks. For example, they demand that all boats must be well-kept to the highest standards; no garbage must be thrown overboard; and that feeding of fishes and other aquatic creatures are not allowed. The utmost depth for dives in marine parks is 40 meters and limits three dives per day only. Thailand is known to have 27 marine parks, 10 in the Gulf of Thailand and 17 in the Andaman Sea. These may be great spots to go scuba diving in Thailand and enjoy the water surroundings.

If you are coming to Thailand to enjoy the great waters like a diving experience, it can offer you a lot of things. It has hundreds of islands and a very huge coastline, where you enjoy the reefs, caves, swim-throughs, drifts, wrecks, drop-offs and pinnacles. So book a scuba diving in Thailand experience in advance to enjoy and venture into the sea waters.