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Suffered An Injury At Work? – What Are Your Legal Rights


We’ve all seen those adverts, haven’t we? It seems like every lawyer with an ad budget is making their own adverts but while they might be catchy, meme-worthy and in some cases even effective they don’t really explain, much do they?

So, if you suffer an injury at work what are your legal rights? Well first of all, before we examine that let’s look at what exactly is covered by a personal injury claim. Despite what the adverts might show a personal injury claim isn’t just for accidental trips and falls.

What Is A Personal Injury?    

A personal injury such as Jones Whyte who are a local glasgow personal injury lawyers can take many forms but they all have something in common, if your injury is a result of negligence on your employer’s part then you can make a claim. A personal injury covers many different areas as well, let’s take a look at some more in-depth examples.

While the most obverse examples of personal injuries are things like trips and falls due to unsafe conditions they also include psychological issues as well. This could be mental stress due to things like bullying and intimidation, many people think personal injuries just mean physical harm, but they cover a much wider spectrum.

How Do You Make A Claim?

Making a claim for personal injury is something many people over complicate, it’s much simpler than many people think. However, winning your case is a whole other matter but it’s advisable that whatever your injury is that you act fast when making a claim.

You should also keep a record of any important information this is especially important when the personal injury is psychological in nature. Your claim for a personal injury will more than likely be a civil claim but it again could take a number of different forms.

Any claim for a personal injury will usually be either a claim for a breach of your contract or a claim for negligence. The vast majority of cases will be heard in a civil court. More than likely the county court, although it may be held in the high court depending on the exact nature of the claim.

Claiming For Breach of Contract

If you’re claiming for a breach of contract, then you need to be able to prove your employer has breached the terms of your employment contract. For example, if you’ve suffered an injury due to improper or poor-quality equipment then you’ll need to be able to show that your employer didn’t fulfill their contractual obligations to protect your health and safety.

If your employment contract doesn’t clearly state how your employer is supposed to protect your well-being, then you will still likely have a case. All employers have an implied contractual duty to protect their employee’s health and safety as well as the legal requirement to ensure any place of work is safe.

One important thing to remember if you’re are making a claim for a breach of contract is the difference between expressed terms and the previously mentioned implied terms. Expressed terms are terms you officially agree to this can be in person or in writing, they’re contractual obligations of some form.

Implied terms like previously mentioned are not in a written contract and you don’t have to prove you have agreed to them in some form. You can think of them as common-sense agreements like that your employer will protect your health and wellbeing and follow proper health and safety practices. 

Making A Claim For Negligence

Making a claim for negligence follows very similar procedures to claiming for a breach of contract. However, you’ll need to prove how you have been negatively affected and that your employer was acting negligently in their duties.

For example, if you were injured because of a faulty piece of equipment if you can prove that your employer knew it was damaged and didn’t take any action to either replace or repair it or at the very least ensure it wasn’t not used, then you can prove there were negligent in their duties.

What If I Quit Work?

If you quit or resign from work because you think the risk of suffering a personal injury is too high or you believe your employers are being negligent in their duties can you still, make a claim? The good news is you can, but things will be slightly different.

So, how does it work? Instead of going straight to a solicitor you will instead need to make a claim to an employment tribunal and then prove that your claim for constructive dismal was just. Be wary though making a claim for a constructive dismal is notoriously difficult and any claim must be made within three months of the date you left.

Now if you are instead fired from your position then you can make a claim for an unfair dismissal instead. However, this follows a slightly different process if you’re making a claim for unfair dismissal you will need to prove it’s related to your personal injury claim, and in many cases, you will only be able to make a claim for unfair dismissal if you have been working for your employer for over two years.

If you don’t want to quit but don’t want to work in an area that is not following proper practices or that you believe breaches health and safety rules, then you are protected from dismissal and disciplinary action. All employees have this right and you should talk to your safety representative to explain your actions.

Likewise, whistleblowers are also protected so if you feel you have been unfairly treated or victimised because you made a public disclosure then you should contact an employment tribunal to explain your case. 

Strengthening Your Case 

So, that’s a look at all the main points you need to consider when making a case for a personal injury claim. Remember though every case is unique and you should meet with a solicitor as soon as possible to get some professional, legal insight in your case. Remember at every stage to keep a record as well, because it will be sure to come in handy.

5 Tips To Help You Move House With As Little Stress As Possible


Moving home is something that most people don’t relish, even when it is for positive reasons such as a new addition to the family or starting a new life with your significant other. One of the biggest problems that proves the most stressful for people when moving to a new house is timing.

It can be hard and stressful trying to work towards your big moving date and making sure you have done everything that needs to be done and that everything is packed that needs to be packed. Even if you just had your move to deal with, it would be stressful enough. However, most of us do not have the luxury of just focusing on our move and have to juggle the demands of our day to day life too – whether it is work, study or family commitments.

How then, can you successfully move home with as little stress as possible? In the following post we look at several helpful tips to help.

Start As Early As Possible and Declutter

When preparing to move to a new house, the most crucial tip we can offer is to ensure that you give yourself enough time to everything done. Even if we think we only have a small amount of stuff to pack and move, you will find that it is more than you thought when you actually come to packing it up. Before you pack then, it can be a great help to go through your stuff and declutter where possible. Throw out, recycle or sell/give away anything you don’t actually use or need. You need to be ruthless and avoid holding on to things without good reason.

Work methodically from room to room. It could be those books or DVDs you have already ready or watched or just furniture that has seen better days or there is no space for in your new place. You will be glad when it comes to packing, moving and unpacking if you have less to do.

Decide Who Is Going To Help You Move

Although it is obviously less expensive to handle a removal job yourself, it may not be the best option for your own circumstances. If you can, enlist the help of friends and family. Hire a van or two and make a plan of who is going to do what and when and ensure everyone knows their responsibilities.

However, if you are looking for more convenience, there are many benefits to hiring a company like http://securemoveservices.co.uk/. As well as providing professional help with the move itself, you can also hire them to help you with the packing. Having their experience and know-how can be handy when it comes to figuring out how to fit your items safely into boxes and then packing a van using space in the most optimum way.

Create A Moving Schedule

There is so much to do and remember when moving to a new house that it helps to be as prepared beforehand as possible. From the moment you know you will be moving and have an actual date this will be happening you should be planning exactly what needs to happen and when.

Remember the old adage ‘when you fail to prepare, prepare to fail’. By planning out exactly what you are going to do from this point to move day and beyond, you can better organise your daily tasks and work them into your normal schedule.

You Can Never Have Too Many Boxes

No matter how many boxes you have, you will probably still find that you need one or two more. It is thought that the average three-bedroom house requires around 100 boxes for a move. Therefore, make sure you have enough boxes. In fact, make sure you have MORE than enough boxes, along with box cutters, labels, permanent markers, tape dispensers and brown packing tape. As well as buying special boxes in bulk for your move, it can be helpful to take a trip to the local supermarkets and stores in your area. They will often let you take boxes off their hands completely free of charge. Not only will you be saving money, but you will be helping protect the environment by reusing cardboard.

Make sure too that you have a sufficient amount of packing paper for lining your boxes with before and after placing your possessions inside them. It is recommended that you use this rather than newspaper as the ink has a tendency of transferring onto the contents of a box.

Pack Wisely

If you are taking on the task of packing, make sure you do it wisely and strategically. Start by packing all non-essential items first from each room, remembering to pack the heavier items at the bottom. When it comes to really heavy items though, use smaller boxes to avoid over-packing them and making it harder (or impossible) to lift.

Dangerous and items such as paint cans and bleach etc. should be packed separately. Make a list of all the items in each box and the room they will be going into in your new home and tape these to the top or sides of the box. If possible, it can be incredibly helpful to decide the specific cupboards and drawers or other storage spaces where things will be going in rooms. By doing this, you will be able to come into each room with the relevant boxes and unpack them quicker and more efficiently.

Another crucial tip for packing is to ensure you make a survival box up. This box should have everything you will need when you first move into your new home, such as a kettle, coffee machine (if you prefer), mugs, coffee, tea bags, milk, plates, cutlery, washing-up liquid, dish cloth and toilet paper. It is also a good idea to pack a first aid kit, light bulbs, change of clothes, towels and toiletries.

Although in a perfect situation, we’d hope that these tips will be enough to avoid stress when the time comes to move home; we know this is highly unlikely. However, what we can guarantee is that when you take the time and make the effort to plan your move and follow the tips above, you will significantly reduce the stressfulness of the process.

The Countdown To Your New Home – Our Top Tips


Moving house is supposed to be one of the most stressful days of your life. The only way to reduce the level of stress is to meticulously plan the event to run as smoothly as possible.

This doesn’t mean getting up early on the day to allow you extra time to fit it all in – it means pre-organising every detail to make sure nothing can go wrong, and even then, something will, but at least you’ll have the heart to know it’s one less thing gone wrong than there could have been.

Make lists. Lists are your best weapon. Here’s a good overview to make your other more detailed lists from.

2 Months to go…

1. Declutter

Don’t waste money transporting things you’re going to throw out or get rid of. Do it now.

2. Notify your landlord

If you’re moving from a rental property then your landlord needs to know straight away. He’s going to need to make plans to re-let the property and he is also going to need to know when your rent will stop. You must do this in writing – a phone call won’t do. You both need an official record. Send a letter or an email if that’s been acceptable during earlier communications.

3. Pick your removal company

You need to decide whether you’re going DIY and just hiring a van or going professional with a company such asAMC removal services in Edinburgh. If the latter, then it needs nailing down as soon as possible. You don’t want to be left last minute with no way of moving all your belongings from A to B.

Check your household insurance policy to see what it will cover in transit. Run that alongside the removal company’s policy to see if you’re likely to need any additional cover.

4. Research your new area

You can start learning about where you’re going to be living as soon as you like and this will help with last minute needs on the moving day. Where are the local shops, a handyman store, take-aways or restaurants? There’s a good chance you won’t feel like cooking once you’ve got unloaded and you certainly won’t have your pots and pans to hand.

1 Month to go…

1. Start your packing

You should have already made a full inventory of what’s moving so order and buy all the boxes and packing materials you’ll need. Start filling them with the things you don’t really need day-to-day in order to reduce the amount of work nearer the time.

2. Do you need storage?

If you’re downsizing or staying in temporary accommodation until your new house is ready for you to move in then you’ll need to figure out where to store your belongings and your furniture and how much space you’ll need. Finding a storage facility local to your new home rather than your current one will speed up the process on moving in day.

3. Check access at your new property

Make sure you know if there are any local restrictions at either address for the size of vehicle you’re using and that it can gain access to as near the property entrance as possible.

4. Notify the utility companies

Up front notice for your suppliers gives them chance to prepare your accounts for termination or moving to the new property. They will advise you on the correct process to take to make it as straightforward as possible for both of you.

5. Check your car

If you’re moving a long distance the last thing you need is a breakdown. It could be a good time to organise that service you’ve been meaning to.

6. Never work with children or animals

Find someone to look after the kids and your pets. They’ll be bored or ‘too helpful’. They’re bound to get in the way so get them out of it from the start.

7. Tell your Doctor

You don’t need to tell them you’re moving but if you deregister it will make administration and transferring your records much easier for your new GP.

8. Stop any deliveries

Tell the paper-shop, the milkman, the Ringtons tea-boy, the window cleaner and anyone else who makes a doorstep delivery that you need to tie up their account and finalise their services.

9. Start eating the frozen foods

You’ve got a month to eat it or waste it. It’s up to you.

1 Week to go…

1. Confirm arrangements

Call the removal company and the estate agents or letting company. Get all arrival times confirmed, key collections sorted and double check your route and access details.

2. Disconnect your appliances

Arrange for the appropriate tradesmen to come and deal with any cookers, ovens, washing machines, dryers, dishwashers or anything else that is coming with you.

3. Start dismantling your flat pack furniture

4. Book a locksmith

You’re going to want to change the locks at the new property, sooner rather than later – you don’t know who might still have a set of keys for the place. If you can organise it to happen on moving day then that would be ideal but as near to as possible if you can’t.

3 Days to go…

1. Wash all the clothes

You’re probably not going to want to wash anything for a few days when you start to unpack, you might not even have a washing machine straight away, so make sure you’ve got as many clean clothes as possible.

2. Your old keys

You should label all your existing keys for what they unlock and leave them somewhere easy to find for the new occupants.

3. Essentials package

Put together a selection of all the things you might need to hand for the first few days to get you through. Toilet roll, light bulbs, tea-bags and refreshments are just the beginning. Try and think of the basics you use every day that might not make it out of packing for a while; toiletries, torches, a first aid kit, a pen and notepad, and perhaps some basic kitchenware including cutlery and crockery.

2 Days to go…

1. Put your contacts list somewhere safe

You should already have a list of everyone involved in the move; solicitors, estate agents, bank/mortgage company, landlord, letting agency, removal company – put it with your priority items and KEEP IT SAFE. You’re going to need this very close to hand all through moving day.

2. Pack your valuables

Put your valuables, your important items and contacts list with all of your important legal documents, passports, bankbooks etc. These will want to travel with you in person and not be packed away with the rest of your belongings.

3. Defrost your fridge and your freezer

4. Do you have the new key yet?

Double-check with your estate agent or landlord about collecting the keys if you don’t have them already.

The Day Before…

1. Finalise all packing

All the packing should be done apart from the essentials for the kitchen and bathroom.

2. Charge your phone

If you’ve got a bolt-on battery, charge that up too. It’s likely it’s going to get a lot of use.

3. Final walk-through

Do your final walk-through and check all cupboards, storage spaces, garage, garden and shed. You’ll have forgotten something. I guarantee it.

It’s Moving Day!

1. Drop off the kids and the pets

Do this first. Then you can start to think clearly without interruption for the rest of the day.

2. Organise your removal team

Help the removal company by giving them clear direction to where everything is, any troublesome items, and any special instructions that you need them to know. Ask them what they need from you and follow their instructions to the letter.

3. Make a final check on all meter readings

4. Give the house its final clean

5. Do your final, FINAL walk-through

Do a final walk-through with the removal team. Make sure nothing is left. The house should be empty unless there are items you’ve arranged to leave for the new occupants.

…and when you get to your new home

1. Check all utilities are working

If not, get on the phone. You should have the numbers on your contacts list.

2. Make everyone a cuppa before the heavy lifting starts

This will give everyone a chance to see the new house layout and where all the beautifully labelled boxes will be heading.

3. Check the van is empty and order a takeaway

Once you’re sure you have everything off the van the removal team can leave with your gracious thanks. You’re going to need to eat and luckily you have knives and forks packed in your essentials box – all you need is the phone number of that local take-away you garnered 2 months ago…!

How does remortgaging work?


Remortgaging is what happens when a homeowner switches to a new mortgage deal (with a new or existing lender), and this applies also when remortgaging with bad credit (but the choice of lender may be limited). People most commonly remortgage when the current discounted interest rate is about to end.

When that happens, the borrower will be moved to a long term variable rate agreement. These rates are normally higher than those that are offered on new mortgages – this is the reason why this point is so popular with people looking to remortgage. It should be noted however that those wanting to remortgage with bad credit will end up paying higher rates of interest anyway.

Image result for remortgage

Things to consider when remortgaging

Variable Vs Fixed rates

You will most likely have to pay at a higher rate at first if you choose to fix it, as opposed to using a tracker. This should not be surprising though because you will be afforded security in the knowledge that you will always know exactly what your payments will be from month to month for the next few years. For those that need to manage their budget carefully, paying this little extra is worth knowing just what is leaving your account and when.

That being said, there are those that will happily go for a tracker, the slight added risk to their budgeting and take advantage of the short term lower monthly payments. Both fixed and variable rates are available for those remortgaging with bad credit, too, but the rates will still be higher.

A problem with variable rates is that nobody can say when the base rate will fluctuate or by how much. There is precious little point in trying to guess or ‘work it out’ either as the chances are pretty strong that you won’t get it right. Certain trends in a given area can be watched for though, and if you have reason to believe that your payments may go up, into uncomfortable or unaffordable territory, then go for the security of fixed rates.

Arrangement fees

On first glance the lower rate mortgage may look the better, cheaper deal but that may not actually be the case. It is important that you consider the effect of arrangement fees too. After looking around at your options you may find it is actually more cost effective to make payments at a slightly higher interest rate – if setup costs are cheaper. Taking these kinds of things into account can save you a fair amount of money over time, but if you aren’t sure of what to look for a mortgage broker will be able to help you. This approach could be especially important if you are remortgaging with bad credit.

Other fees

There are going to be valuation and legal fees to consider too, so you need to keep those in mind when you are adding everything up. These fees are not going to be as high as when buying a property, but your new lender will need valuation survey and there will be paperwork to be completed by a lawyer.

It is worth keeping in mind that there are some lenders that provide services free for those that are remortgaging so it is worth considering and it could work out cheaper that way in the long run too. If you are not sure how you go about figuring which deal is the best one for you, a mortgage broker will be able to help you out.


How much equity you have can make a big difference in the kinds of mortgages that you will qualify for. If you have the cash to make the deposit, you will find that the best possible rates are more readily accessible if you are able to make a deposit of 25% and sometime even more.

Generally speaking, the more that you can lay down on a deposit the more favourable the repayment options are going to be. This is another instance where ‘shopping around’ and comparing offers is really going to pay off.

Charges for early repayment

One question that you are going to have to ask yourself, or should ask yourself at any rate, is how long do you want to be attached to your current deal for? Like any other type of loan, the sooner you pay it off the more you will save over time… That’s how it is meant to work, anyway.

You will see, when comparing mortgage products, that the majority will charge an Erc (early repayment charge) which will apply during the introductory period. If, for example, you have a two year fixed rate mortgage you will be charged a fee for paying off the mortgage inside the first two years.

Not all remortgaging products have an early repayment charge though. The majority of lifetime trackers are totally fee free which, as options go, makes them very flexible indeed.

Fees for leaving your current mortgage agreement

After taking the decision to remortgage, and the process has come to an end (this can take around a month), you are going to be charged what is known as an exit fee. This is just standard practice and the fee is to cover the costs generated by the administrative process of closing the current mortgage account.

How much the fee will be is going to depend on the lender you are with. The most that you can be charged is around the £295 mark. The fee that you will actually be charged will be printed on your existing documentation for the mortgage you currently have.

This stated fee will not have changed – lenders cannot alter the amount during the mortgage term, the FSA (Financial Services Authority) saw to that a while back.

Of course, all of these fees will weigh slightly heavier on your shoulders if you are remortgaging with bad credit but with proper planning and sound advice you can still walk away with a suitable, if expensive, deal.

10 of the best bitcoin & cryptocurrency brokers


If you’ve looked over a ‘how to get started in cryptocurrency’ guide you’ll realise that finding a broker is an important part of the process.

Crypro brokerages are also an extremely competitive area – which means big marketing campaigns, affiliate schemes – and plenty of websites telling you exactly who to use. Sadly, it’s pretty obvious that most of those things point you in the direction of whoever’s spending the most money to get you onboard – not always the best choice for you!

Rather than point you in one direction or another, we’ll run you through 10 of the most reputable brokers and exchanges currently operating – and give you a few pointers that might help you make your decision.


In terms of established names, you won’t find many more solid than Coinbase. They’ve got a nice and simple step by step process that sees you create a digital wallet, connect your bank account then start buying currency.

Coinbase only trade Bitcoin, Ethereum and Litecoin at the moment – so if you’re looking for something less well-known, you might be better starting somewhere else. For the 3 big currencies, Coinbase is a good bet.


CEX.io is another well known name in crypto – and has the enviable record of having never lost any user’s funds to theft. Combine that with a 99.999% service availability and CEX.io presents as a very safe and dependable choice.

The site meets financial legal compliances in some of the most stringent countries in the world too – so you’ve got more than just a few good reviews backing your choice of broker up.


Reading a Localbitcoins review will make it clear that this isn’t your average crypto broker site – instead, the service is a true peer-to-peer bitcoin trading service.

Imagine a classified site but entirely for Bitcoin – the site allows users to post advertisements offering their own exchange rate and payment methods. Localbitcoins consider themselves the future of Bitcoin trading – a peer-to-peer service for a peer-to-peer currency.

Wall of Coins

Wall of coins cite themselves as being the most trusted crypto marketplace on Earth – and a bit part of that is the way they handle their customers and their coins.

A lot of brokers offer a wallet that doesn’t offer you direct access to your coins and their keys – but Wall of Coins does. Not only that, but all coins are held in ‘cold’ storage – an unmarked secure facility with the highest level of security. A lot of companies that hold coins offline take a while to grant access and begin transactions – which can be limiting – but Wall of Coins offer access within 15 minutes – impressive speed.


Coinhouse is one of the few crypto exchanges that’s based in France – and it’s run by Ledger, the team behind the Ledger Nano S – one of the most highly thought of hardware wallets on the market. As such, you can sleep easy knowing your currency and details are in safe hands.

Coinhouse deliver your currency immediately, meaning you’re free to spend your time as you wish – rather than sitting around waiting for your account to credit. They comply with regulations throughout Europe and the USA and pledge no hidden fees – so what you see is very much what you’re going to pay.


ItBit crank up the authority on their site and through their marketing material by concentrating on financial organisations and Bitcoin trading professionals. They’re regulated throughout the US and offer bespoke services for clients who are trading serious numbers of Bitcoin.

ItBit very much put themselves forward as the next level of crypto exchanges – and part of that is their high level of customer support. If you need help – they’ve got dedicated customer support representatives available online or via the phone at any time of the day or night.

Twin their levels of customer care with the fact that they were the first regulated Bitcoin exchange in the US – and you’re onto a safe bet.


Changelly is a little different to the other services on this list – in that it doesn’t trade in traditional currencies whatsoever – so your GBP, USD or EUR is no good here!

Instead, you’ve got the chance to find some exceptional exchange rates between digital currencies – better than the services that deal with standard debit and credit card transactions. When you visit the site you can enter the currency and amount you wish to trade from – and you’ll get a real time indication of how much you can expect out from your desired coin.

Because Changelly doesn’t actually hold any coin – all transactions are facilitated directly with the relevant user and trading platform – protecting user anonymity. This is a good review of Changelly that we would highly recommend that you read. 


Although Coinmama only sell Bitcoin and Ethereum, they pride themselves on ease of use and speed – so if you don’t have the time to sit around making sure each step of the process is going to plan, you might find yourself right at home here.

Select an amount, click ‘buy now’, enter your card details and you’re done. Plus, you can quickly and easily track the status of any order. Simplicity at its finest.


Where most exchanges only accept Visa, Mastercard and PayPal – Bitpanda are happy to accept any one of 10 payment options – from Skrill to SEPA.

Bitpanda came to life after its founders – all Bitcoin enthusiasts – discovered how difficult it could be buying Bitcoin in Europe. The service is fully automated – as soon as you submit your payment you’re automatically credited with the cryptocurrency of your choice. Their homepage has an exceptionally detailed FAQs section that will take you through any uncertainties you have about the platform.


As you might be able to guess from the name, Bitquick is another service that prides itself on a quick turnaround time for customers – and while they don’t claim to be instant – you can get the transaction time for their 10 latest orders on their site – and it’s usually less than 20 minutes.

One of the big factors that sets Bitquick aside from anyone else is that fact that they handle cash – real cash, transferred to their account – rather than credit or debit card transactions that require the card issuer as an intermediary. You can expect some ID checks if you’re dealing with massive figures – but that’s to be expected – and there aren’t many exchanges that handle cash transactions so quickly and safely.

Getting Started with Forex Trading


There are lots of resources online such as the Elliott Wave theory that’ll explain how to start out with using their particular Forex brokerage or tools – but not as many impartial guides that’ll give you an overview of the steps you need to take.

If Forex trading looks like something worth exploring, follow these steps to get up and running…

  1. Get clued up on the terminology

Before you make any trades you need to know the language of the marketplace. Take some time to read some guides on Forex and you’ll see terms used in context. Here are a few of the most important ones to get you moving:

  • Base: The base currency is the one you’re holding or selling.
  • Quote: The quote currency is the currency you’re purchasing.
  • Pair: A pair represents the two currencies you’re dealing with in a trade.
  • Exchange rate: This is the rate at which the base can be exchanged for the quote.
  • Long: This is a trading position, in which you intend to buy the base and sell the quote.
  • Short: This is a trading position, in which you’re buying the quote in exchange for the base.
  • Spread: The rate at which a broker buys and sells currency is referred to as a ‘bid’ and ‘ask’ price respectively – between those two prices is the ‘spread’.
  • Point/Pip: This is 0.0001 of the change in value between two currencies.

It’s worth becoming familiar with the different currency acronyms too – as well as the terms that relate to different buying strategies.

  1. Check out some quotes

Having a look at some Forex quotes will give you a good idea of how the previously mentioned terms fall into place.

Generally, you’ll see bid and ask price that relates to the broker you’re using, the opening price for that currency – as well as the highest and lowest values the pair has achieved that day. Things get really interesting when you see the red or green columns – indicating whether the base currency in the pair is up or down in value against the quote.

  1. Think about currency pairs

Most Forex brokerages deal with the main 4 main currencies pairs, they are:

  • EUR/USD – The Euro and the US Dollar
  • USD/JPY – The US Dollar and the Japanese Yen
  • GBP/USD – The British Pound and the US Dollar
  • USD/CHF – The US Dollar and the Swiss franc

That said, there are combinations possible that extend to more broadly than these 8 currencies – so there are a few things to think about before you decide which to choose. You might want to consider:

  • The countries current financial situation, including employment and inflation
  • The countries political position – stability in politics normally means currency stability, but elections can stir things up
  • The country’s current trading position
  1. Find a suitable Brokerage account

Searching for brokerage accounts is generally going to return reputable companies on the first few pages of Google – and assuming you do a little homework into them before you sign up (to make sure you’re happy with the way they operate) then you won’t go far wrong.

That said, not all brokerages are regulated or even legitimate – be careful to do some reading up before you commit to giving your detail and money to anyone who’s been recommended as part of a chat, forum or social media conversation. Chances are you’ll be fine – but it’s better to check.

It’s also important to check that the company you’re going to be using complies with your local financial regulation – for example, the Financial Conduct Authority (FCA) regulates companies offering financial services in the UK. Check your local laws and regulations if you’re not sure.

  1. Decide which type of account you want

Generally, brokers will offer two types of account. A personal account lets you execute trades yourself – whereas a managed account will see trades made on your behalf by a broker working for the company.

If you’re here, the chances are you’re looking to do the trading yourself, but watching what a broker does with your money can give you a good indication of how someone more experienced approaches the market.

  1. Fill out an application

Signing up for a broker account normally involves submitting some paperwork to confirm who you are – such as a driving license, utility bill, passport – and so forth.

Don’t panic, this is normal and just the broker’s way of staying compliant with their local money laundering due diligence laws.

  1. Think about how you plan to approach the market

There is no one perfect way to trade in a Forex marketplace – people have made fortunes and lost fortunes following virtually every strategy conceivable. There are however 3 overarching approaches that more niche trends tend to fall under, they are:

  • Technical analysis: The studying of historic data relating to the currency and the conditions that surrounded the fluctuations in price at that time.
  • Fundamental analysis: This is the study of fundamental data relating to the country’s economical position and using this data to inform your trades.
  • Sentimental analysis: The ‘sentiment’ of the market relates to how traders are reacting to the current currency fluctuations. Analysis of this information can give an indication of the currency’s immediate future performance.
  1. Think about margin

Now, understanding margin could take up books as a subject by itself, however, it’s important that you think about it now as it can have a huge impact on your trading.

Often, a broker will allow you to trade greater amounts of currency than your capital allows. For example, at 1:50 rate, with £1,000 of capital you’d be able to trade £50,000 worth of currency. This means your capital can go a lot further, but you’re multiplying your risk – as well as potential rewards.

  1. Make some orders

When you feel ready, you’ll be able to make some orders through your broker account. Generally, someone who’s stepped into Forex to ‘trade’ will look to place a ‘market order’ – which is a direct purchase of a currency through your broker.

It’s not the only option though, you could place a limit order that your broker will make on your behalf – which sees an order placed when a currency hits a certain high or low – or a stop order, which is an instruction for a broker to buy or sell your currency above or below the current market price in the anticipation that the price will move in this direction.

  1. Monitor the red and green

When you’re the proud owner of some currency, it’s time to watch the market! You’ll now be looking at a screen that like the quote sheet in step 2 – but now those green and red numbers actually impact your position. Hold tight, this is where big money is made and lost in the blink of an eye…

Infographic by: visual.ly

What does the future of the news publication industry look like?


The impact of social media and broadcast news sites on the way news is reported is undeniable. The style in which news articles are written and the mediums through which these stories are shared have drastically changed in the last 15 years. But likewise, the platforms showcasing news stories have also continued to evolve, keeping up with the needs and wants of the reader. So, what does the future of the news industry look like will it be online like other publications such as https://proefabonnementkrant.com/telegraaf/?


For the first time ever, more people used messaging apps than social media in 2015. Since that initial month, messaging apps have continued to reign supreme over social networks, pulling in more and more users every month.

For platforms like Facebook, which has more users reading the news on its site than any other social network, this isn’t bad news. That’s because Facebook also happens to have its very own integrated messaging system, which is highly popular. It also owns WhatsApp. These two messaging platforms pull in 800 million and 900 million users respectively. With Facebook leading the way when it comes to news stories, perhaps the future involves taking these stories to their messaging apps. Users could set their notification preferences based on the type of news story, be it urgent, international, celebrity gossip etc.

Audio News

In the past few years, publishers have invested heavily in their video content. But with the likes of Amazon Echo and Google Home finding their way into people’s houses, is this due to change and the focus shift to audio news?

Some companies have already begun experimenting with audio news stories, with the liked of The New York Times creating multiple podcast series. This includes their series named The Daily, which provides listeners with a 25-minute update on current news. A new episode is released five days a week.   

There has also been a boom in audio investment when it comes to automobiles. It is estimated that 20% of vehicles in the US are currently connected to the internet, though the goal is for this to be 100% by the year 2025. Content creators have felt the benefits of the increase in internet access, with Pandora’s VP of Business Development stating that “Automotive is our fastest-growing listening category.” With Pandora known for its personalised content, is this a precursor for the future of news reporting? Will we soon be listening to our own personalised version of the news?

Further Personalisation

Anonymity is a thing of the past when it comes to the internet. While people may refer to trolls ‘hiding behind their keyboards’, websites are collecting huge amounts of data on users. Creating accounts on websites gives information such as your birthdate, ordering packages passes along your home and/or work address. Your subscription to Birchbox gives an insight into your consumer choices, and your frequent visits to Ladbible.com highlight your sense of humour. All of this data is collected online and used to create tailored suggestions for content you’d enjoy. Facebook in particular enjoy using the information from your likes and links to get to know you better, and will continue to provide what it deems the most useful news stories for each person. The need for add-on tools like Feedly and Flipboard suggest there’s still some way to go with perfect this personalisation.

What else will change?

Just as social media decided to get in on the action, it is likely that other companies will adapt to the growing trend of finding news online. Companies not previously associated with the traditional news publications will begin branching out into the news industry. There are two reasons that this is likely. Firstly, companies will try to keep readers on their website. This will help them improve their user stats, find out more about user demographics, increase the price for advertisers with banners on their site, grow the company’s reputation. The list goes on. The second reason that sites will begin offering their own news section is to keep the readers happy. That’s because leading readers away to a different site requires additional seconds for the content to load. According to Mark Zuckerberg, chief executive of Facebook “People don’t want to wait that long so a lot of people abandon news before it has even loaded.” No wonder Facebook’s news summaries can be seen on everyone’s main feed.

This overlap may also happen in the other direction, with traditional news publishers branching out to increase revenue. This could be a necessary step for news companies. Indeed 60% of publishers believe that monetization will be their biggest challenge, thanks to the increased use of ad blockers, low ad rates on mobiles and high levels of competition. There are a number of ways companies can evolve to increase revenue, such as:

  • Becoming event organisers. Many publishers have run their own events, such as Stylist Live and Forbes’ Summit Conferences.
  • Launching their own creative agencies. These are created to produce branded content. Examples of this include the Huffpost Partner Studio and Vice’s Virtue team.
  • Opening research institutes. These teams conduct high-level research, which supports the news generated by the publisher. The Economist’s version is known as the Intelligence Unit.
  • Creating teams to build and analyse user data. At Buzzfeed, the team is building technology that can detect web trends and connects users with content they’re most likely to enjoy.

While there’s inevitable change coming to the news publication industry, some things are expected to remain the same thanks to the high-standards set by traditional publishers. While people want content to be available quickly and news broadcasts streamed in real-time, digital publishers continue to pursue the credibility of traditional publishers, raising the bar in journalism. There has been a steady decline in journalism jobs over the past many decades, but a regrowth of the industry to cope with the changes could be a very real future. Only time will tell.

The other cryptocurrencies to watch in 2018


Bitcoin – you can’t open a news app or tech blog without hearing about the world’s favourite digital currency – but what else is going on in the cryptocurrency world?

Well, quite a lot it actually – and while no other currency has seen the explosion in value that Bitcoin has during the last 18 months, that’s not to say Bitcoin is the only player to keep an eye on.

If you’re considering dipping into less familiar cryptocurrency waters, it pays to do you research – check out some write ups on potential brokers – like this indacoin review – before you buy – and in the meantime, we’ll tell you a little about 5 ‘altcoin’ currencies that are showing significant promise and could represent the next big thing…


Even those who aren’t familiar with the nuances of cryptocurrency are increasingly likely to have heard about Ethereum – especially owing to how hard marketers have hit the social media channels trying to push their ether related services.

‘Ether’ – the name of Ethereum’s currency – is the second biggest digital currency behind Bitcoin and it’s fairly new on the scene, having launched in 2015. Ether is a little different to Bitcoin, in that it operates on an ‘if this, then that’ contractual basis. Let’s line it up next to Bitcoin to explain how that works:

You’re buying an ebook with Bitcoin, you send the private key to the person’s wallet and they send you the product.

You buy the same book with Ethereum and a contract could be generated, stipulating that when the funds are sent, the ebook is released – or alternatively, when the ebook is received the funds are released.

Although Bitcoin operates without ‘trust’ needed in the actual transaction, as soon as human’s become involved with any process beyond the actual money transfer, trust is again required. With a smart contract system, trust is removed.

  • Ether started 2017 at around £6/$8 and looks set to finish the year around £350/$470.


Another newcomer to the crypro game, Zcash didn’t launch until late-2016 but is looking like a very promising contender going forward.

The currency focuses on security and privacy when compared to Bitcoin. Where Bitcoin operates on a public blockchain with every transaction that’s been made visible to anyone who looks, Zcash’s offers what they refer to ‘shielded’ transactions, where sender, recipient and the amount of the transfer are protected from view.

If increased security and anonymity are your thing – Zcash is worth a look…

  • Zcash started 2017 at around £37/$50 and looks set to end 2017 around £225/$300


Ripple was launched in 2012 with the primary aim for allowing banks to facilitate and settle cross-boarder payments in real-time with “end-to-end” transparency.

The big difference when compared to Bitcoin and most other blockchain based cryptocurrencies comes when the currency is produced. Most cryptos rely on ‘mining’ – a sophisticated process of solving the mathematical problems that occur throughout the blockchain when transaction are taking place. With Bitcoin’s blockchain, miners are rewarded for this action with more Bitcoins – but Ripple is different.

Essentially, Ripple facilitates the transfer of other currencies and commodities with gateways – and through those gateways money is sent – or rather, not sent. The money doesn’t actually leave the gateway that it’s deposited into, but is still released by the recipient’s gateway. It’s an IOU system that works because each gateway trusts one another not to break the relationship.

Ripple is extremely flexible – because, as long as gateways trust one another, anything can be transmitted without it actually moving – in fact, it doesn’t even have to be the same currency that goes it as comes out. Money in, car out – etc. Ripple’s algorithms work to find trust between two sources and execute the transaction through that trusted channel.

  • Ripple started 2017 at just a tiny fraction of a dollar ($0.006) – and although the price vs. USD is still low – it’s significantly higher than it was at around $0.25 toward the end of 2017.


We’ve all been caught out with an internet or media fact that turns out to be nonsense – but there’s one about cryptocurrency that just won’t go away:

“Bitcoin is anonymous”

Well, it’s not – some understanding of the blockchain lets you know quite how false this actually is. However, there are calls for true financial anonymity – and Dash seems to be answering those calls. At it’s heart, Dash operates on a near identical blockchain to Bitcoin – but has the addition of quick transactions and transaction privacy.

Dash has been around since early 2014 – and was initially called ‘Darkcoin’. Its developers had big ideas for how Bitcoin could offer increased anonymity and speedier transfer times – but rather than approach Bitcoin, Dash’s founders decided to go it alone – as a result, they’re now one of the biggest altcoins out there…

  • At the start of 2017 Dash tipped the scales at £9/$12 – whereas in the closing months of 2017 it was sitting around £512/$690


Litecoin wasn’t far behind the launch of Bitcoin – coming to the market in 2011. In a lot of ways, Litecoin has always been seen as the smaller sibling of Bitcoin, operating with a very similar blockchain system but always at a much-reduced buy-in cost.

Like Bitcoin, Litecoin has a decentralised ledger system that’s the brainchild of an ex-Google engineer and uses a ‘mining’ proof-of-work system that doesn’t require the huge processing power and energy consumption of Bitcoin.

As a result of this less intensive ‘mining’ process, blocks in the chain are generated much more quickly vs. Bitcoin and therefore Litecoin’s transaction confirmation times are greatly reduced. Litecoin is an increasing favourite with merchants and online developers owing to this quick turn-around…

  • Litecoin was worth around £3/$4 at the beginning of 2017 – and is now at an impressive £60/$80 toward the end of 2017


There are a lot of cryptos out there that look great – but, as with any investment, the prior performance of cryptocurrencies doesn’t reflect their future performance – so don’t invest money you can’t afford to lose – and seek as much professional information about your chosen currency before you go empty your wallet of traditional cash…

10 Essential Tips for Buying Life Insurance in 2018


It’s always good to be prepared. So, heaven forbid, something happens to you (or your partner), finances should not be a worry. This is where life insurance can play an important role in giving your loved ones peace of mind. There are lots of different policies available, each of which works slightly differently. As such, it’s understandable if you’re left feeling overwhelmed by the options, and with no clue which life insurance policy to choose. It can definitely be a bit of a minefield trying to find the perfect cover for you, but the vast amount of choice also means you’re bound to find something that matches your needs. Here’s a couple of tips for buying life insurance in 2018.

  1. Be prepared for the topics you’re likely to discuss before speaking to a life insurance advisor.

An advisor will need lots of information from you, in order to decide what cover is best for you. As such, it’s worth preparing some answers ahead of time, so that you’re ready to for all of their questions. This will speed up the whole process and won’t leave you feeling shocked if they ask a personal question. Be prepared to answer questions about your financial history and travel plans, as well as giving details about your health and lifestyle.

  1. Research the different types of cover.

There are lots of different types of life insurance policies. Some run for 10 years, others for as long as 25 years – or even more. The most popular type of policy is the level term insurance, where the payout is the same regardless of when you claim. Meanwhile a decreasing term insurance will have the payout that gradually shrinks over the policy term. There’s also the option to create a joint policy with your partner, which works on a ‘first death’ basis. Before you commit to a certain company or policy, make sure to speak to an advisor in person or even fill in a questionnaire online to make sure you’re getting the best type of policy for your circumstances.

  1. Work out how much cover you need.

The amount of cover you need depends on your budget and your requirements. It is known as the ‘sum insured’. Most life insurance advisors will recommend getting a sum insured that is 10 times your annual salary, at the very least. However, it can also depend on other circumstances. For example, if you have a large mortgage and young children, it is advisable to have a larger sum insured than someone with no children and few mortgage repayments left.

  1. Find a claim that suits your financial obligations.

Do you want your life insurance to cover funeral expenses? Or perhaps your looking for a policy that will help with estate taxes. You can even ensure any outstanding debts are dealt with instead of being passed along to your estate. Conditions such as these are a great way to spare your loved ones the burden of having to consider all of these painful details. Life insurance quotes for seniors over 70 will often cover these extras. Make sure to really consider what you want from your life insurance policy, above and beyond the traditional lump sum.

  1. Really think about who you want your beneficiaries to be.

Putting serious thought into who you want to receive your life insurance payout is a difficult process. However, it’s something that’s necessary. After all, how many films are there where someone feels snubbed by the contents of a will? While most families may not be as dramatic as those on the big screen, there are important things to consider, like how children will not be able to receive any money from insurance companies until they are 18.

  1. If you have an ex-spouse, make sure their rights are clearly stated in the life insurance policy.

If you have a divorce agreement that includes child support, then it’s a really good idea to have a corresponding life insurance policy. For example, if the divorce agreement stipulates that you will be providing child support for 10 years, make sure to purchase a term policy for the same length of time. For beneficiaries, you can be named on your ex-spouse’s policy as a ‘party of interest’.

  1. Consider a policy with ‘living benefits’.

‘Living benefits’ have become increasingly popular over the years. They are a component of life insurance policies, which give you access to death benefit money yourself in special circumstances. This can be especially handy if you become ill and need to fund private medical care or fund daily living if you’re diagnosed with a chronic terminal illness.

  1. Double check that you’re able to review or amend your life insurance policy.

Some policies can last for multiple decades, while some can even provide cover until you die. As such, it’s worth getting a policy that you can alter if your circumstances change. For example, things like getting married, having children or getting a different mortgage will all impact the advised sum insured.

  1. Be sure you’re getting an accurate quote.

While a life insurance advisor will do their best to make the process of getting insurance as simple as can be, there is a lot of information that needs to be covered when choosing a policy. Therefore, it’s important to make sure you’re getting the best policy for you. Also, it doesn’t hurt to doubt check that there are no hidden costs or loopholes that may have a terrible impact down the line.

  1. Consider using a ‘free look’ period.

If you’re still not 100% sure you’ve chosen the right policy, but are keen to get life insurance in place, some companies will offer a ‘free look’ period. This will let you change or even cancel your policy after is has been issued, if you do so within a certain time frame. Make sure to check with the life insurance advisor that your policy has this period, and how long it lasts for.

Lifestyle hacks that are guaranteed to save you money!


Do you have enough time and energy in the day to earn more money?

With our fast paced lives it’s not uncommon to feel like you don’t have time to sleep – let alone do something that’s going to mean you earn more money.

With that in mind, there’s another way to boost what’s in your pocket – that’s to spend less money in the first place! But how do you do it and keep the level of lifestyle that you’ve become accustomed to?

Well, we’ve got 12 great ideas that will reduce your outgoing from today onwards. We can’t give you extra hours in the day, but we can definitely save you some money!

Plan your food

We waste a huge chunk of money by not planning our meals and just shopping either every day or every couple of days. Buying like this means we rarely ever take advantage of the lower prices that come with bigger packet sizes – leaving our freezers and wallets looking quite empty.

Draw up a list of meals for the week, plan ingredients and make one supermarket journey instead of 5!

Turn the thermostat down

It’s a well-known trick – but turning your thermostat down by one degree rarely makes any noticeable difference to the heat of your home – but can make a big difference to your heating bills when added up over a year.

Don’t throw good food away

As a nation we throw an enormous amount of food away each year – billions of tonnes in fact. Part of the reason for this is a misunderstanding around what’s good to eat and what’s not.

A ‘use before’ date means that the food could potentially be dangerous if you eat it beyond that date (think raw meat, diary, etc) – but on the other hand, a ‘best before’ date is really just advice.

Check your food, if it’s a few days over a best before date and it looks or smells as you would expect it to – the chances are it’s perfectly okay to eat! Check the wording and save a fortune on shopping costs.

Do free stuff

It doesn’t get much better value than free! And, if you’re smart with your searching, you’ll find dozens of things you can that are exactly this price.

From museums and galleries to beaches and parks – there’s some incredible free attractions that you can take advantage of if you’re willing to do some web searching to track them down!

Read more books

In this world of box-sets, paid TV channels and expensive streaming services, books look like incredible value for money! Instead of firing up the TV and flicking until you find something you like, pick up a few books. You can find them second-hand for next to nothing – and they’ll take a LOT longer to read than even the chunkiest box set!

Don’t pay more debt than you need to

If you’re struggling with debt you might not realise that there are some great options out there for coming to an agreement with your creditors and reducing the amount you repay.

To work out who you can turn to for support and guidance, check out reviews of companies who can potentially help – like this one from https://www.facethered.com – and slice your debt down to size!

Don’t shop when you’re hungry

Shopping when you’re hungry is a recipe for disaster! You’re far more likely to buy more than you need – as well as increasingly likely to spend money on expensive food that’s got attractive packaging made to appeal to your empty stomach!

Throw away your takeaway menus

If you ditch the takeaway menus and apps that mean you can order in just a few clicks, you’re far less likely to turn to them as quick and convenient (but expensive) options. What’s more, if you can keep a couple of keep and cheap options in the house – your hungry stomach will push you toward them – rather than hitting the internet to study menus…

Have a standard work wardrobe

You can thank Mark Zuckerberg for this tip!

Rather than pick out a different outfit each day – he sticks to a modest combination of a t-shirt and jeans. Now, you might not be able to do exactly the same – but that doesn’t mean you can’t have some staple go-to items.

Sticking to a basic wardrobe means you’re less likely to have to purchase new seasonal items – or pick out specific items that compliment only one outfit.

Delete your card details

Deleting your saved card details might not save you money directly – but it puts another barrier in the way of spending money online – which is one of the quickest and most tempting ways for us to spend our money.

If you’ve got to reach into your pocket each time you want to spend money, it gives you a little more time to consider whether or not you actually want and need that item…

Buy some thick jumpers

It’s a lot less costly to heat yourself than it is to heat your entire house!

Buying some decent quality wool jumpers means you can turn the heating right down – if not switch it off completely. Multiple layers works well too. You can worry about whether or not it feels like you’re being a ‘skinflint’ when you relax on the beach holiday you’ve managed to save for with money that everyone else has been spending on energy bills!

Book tickets well in advance

If you’ve got any long-distance journeys coming up try to look for tickets months in advance. Even if they’re not available right away you’ll usually be able to create an alert that will let you know when they go on sale.

In some cases, train tickets can be up to 90% cheaper when bought in advance – money that’s a lot better in your pocket!

Get an insulated coffee cup

Buying expensive cups of coffee might feel like a treat, but in reality it’s an extremely expensive habit if you do it every week or every day you’re at work.

If you check out your local supermarket or a good online store you can find insulated cups that will keep a homemade cup of coffee hot all day – and even fully waterproof ones that you can seal and throw in your work bag to be consumed whenever you want. We’re not saying that you have to downgrade to instant coffee either – even fresh home ground coffee is a fraction of the price of a shop made cup!

Infographic by: psecu.com