Choosing the right web hosting is an important decision in the success of a website. There are many different options and it is wise to decide what the priorities are. To some website owners price is the most important thing, whereas for others it may be the amount of bandwidth or the support available from the hosting company. We are going to look at the different considerations for hosting both business websites and personal websites.
HOSTING FOR A BUSINESS WEBSITE
With business hosting getting the hosting right is very important and in the most extreme cases can make the difference between the success or failure of the entire business. There is free web hosting available but this is unlikely to be considered as there are usually too many limitations for business hosting.
For the hosting of a business website a large amount of downtime is not acceptable. Some downtime may be inevitable but if it is happening regularly it could have a significant impact on a business. If potential customers come to a website and it is down they will simply go to one of the competitors, so a site can lose business when this is the case.
Depending on the size of a site disk space may be of importance. For large websites significant disk space will be required, as it might for sites that are contently being updated, for example those where news stories are being adding regularly and the stories remain in the database.
For a new business website it can be difficult to predict the number of visitors that it will have. This makes it hard to work out how much bandwidth is needed. As the site may have more visitors than predicted it is wise to make sure there is additional bandwidth available in case the site is particularly popular.
Support is something most deem important for business hosting. If there are problems they will need to be sorted out quickly, so 24/7 support might be preferable. It also comes down to the type of hosting.
HOSTING FOR A PERSONAL WEBSITE
If there are problems with a personal website, it is less likely to have an impact on someone’s income, which means getting the hosting right is not quite so important. This means that it can come more down to price, with some simply choosing the cheapest hosting possible. Free hosting may be adequate.
Downtime will not be as much of an issue as with a business website. The site may only be viewed by family and friends so if it is down they are likely to come back at another time. Plus, this will not lose you money.
Again the amount of disk space required will come down to the specifics of the website. It is likely that there will only be a small number of pages and in this case there won’t need to be too much disk space. A personal website is unlikely to have a large database for example.
It is much easier with a personal website to predict the number of visitors the site will have, meaning deciding on an adequate amount of bandwidth is simpler. This is likely to be less than with business hosting.
One thing that might need to be considered for personal hosting is the options for media on the site and how the hosting will be able to handle this. If it is a personal site about your family you might want to upload videos and pictures for people to see.
CONCLUSION
With personal hosting any short comings are unlikely to be catastrophic as they won’t mean the failure of a business and lost income, as it might with business hosting. This means less necessity for contingency plans so the price may end up being the main factor.
With business hosting the price is less likely to be the determining factor. Any problems will cost the business money so more may need to be spent to limit the possibility of potential issues. Support is much more likely to be needed.
Andrew Marshall (c)
Thursday, December 23, 2010
Wednesday, December 22, 2010
Is Online Christmas Shopping preferable in the current weather conditions?
The weather conditions in the UK this December have had a massive impact on many people for a number of reasons. Amongst the things it has affected is shopping, with many unable to get to the shops because of the snow and ice. This has meant a lot of people choosing to shop online instead.
Amongst some people shopping online has a reputation of being dangerous, with internet fraudsters after your bank account details. But with the current weather conditions is it safer and more convenient to shop online rather than face the treacherous journey to the shops?
In many parts of the country there have been particularly dangerous driving conditions. With snow and ice on the roads there has been a large increase in the number of accidents and breakdowns, with the AA reporting a record number of call outs. With icy footpaths, even walking can be difficult.
As well as safety, there is also the shear inconvenience. There is a higher than usual probability of getting stuck in traffic caused by accidents and breakdowns. There is also the risk of getting stranded. Even with no traffic, due to the conditions it is necessary to drive slower than normal to stay safe, something that can double journey times. Then there is having to spend time out in the cold de-icing the car and clearing it of snow before you leave. Some shopping centres have even been closed due to the weather, for example Brent Cross in North London. Other shops have been short staffed due to employees being unable to get to work, potentially resulting in reduced customer service and more headaches for customers. Relying on public transport to do your Christmas shopping has in some cases proved even more problematic than driving. Some people have even managed to get to the shops but have then been unable to get home.
So does all this mean shopping from home on the internet is a better option? Well, firstly it depends on how you are getting to the shops, how far it is, and the particular conditions in your area. Then there is personal preference, some people love a day out shopping, while some really don’t.
Overall the security risks of online shopping are not as high as many are led to believe. Yes, there are those out there looking to scam people but in reality these are few and far between. A sensible approach greatly increases the likelihood of a safe online shopping experience.
So what are the steps that can be taken to ensure you do not get caught out? Some of the most basic steps are below:
• Use reputable websites that you know you can trust. Don’t use sites you have never heard of.
• Check for https and a lock symbol in the address box during the transaction phase. On any pages where you are entering bank account information these should be in the URL box at the top of the browser. Any address should start with ‘https’ instead of the usual ‘http’, while there should also be a lock symbol. Don’t take you transaction any further if you do not see these.
• Check that the website states the address and telephone number on the website.
So there are things that can be done to increase the chances of shopping online safely. There are some risks but this does not mean that it should be avoided. It is certainly an option this Christmas with the weather related chaos around us.
Andrew Marshall (c)
Amongst some people shopping online has a reputation of being dangerous, with internet fraudsters after your bank account details. But with the current weather conditions is it safer and more convenient to shop online rather than face the treacherous journey to the shops?
In many parts of the country there have been particularly dangerous driving conditions. With snow and ice on the roads there has been a large increase in the number of accidents and breakdowns, with the AA reporting a record number of call outs. With icy footpaths, even walking can be difficult.
As well as safety, there is also the shear inconvenience. There is a higher than usual probability of getting stuck in traffic caused by accidents and breakdowns. There is also the risk of getting stranded. Even with no traffic, due to the conditions it is necessary to drive slower than normal to stay safe, something that can double journey times. Then there is having to spend time out in the cold de-icing the car and clearing it of snow before you leave. Some shopping centres have even been closed due to the weather, for example Brent Cross in North London. Other shops have been short staffed due to employees being unable to get to work, potentially resulting in reduced customer service and more headaches for customers. Relying on public transport to do your Christmas shopping has in some cases proved even more problematic than driving. Some people have even managed to get to the shops but have then been unable to get home.
So does all this mean shopping from home on the internet is a better option? Well, firstly it depends on how you are getting to the shops, how far it is, and the particular conditions in your area. Then there is personal preference, some people love a day out shopping, while some really don’t.
Overall the security risks of online shopping are not as high as many are led to believe. Yes, there are those out there looking to scam people but in reality these are few and far between. A sensible approach greatly increases the likelihood of a safe online shopping experience.
So what are the steps that can be taken to ensure you do not get caught out? Some of the most basic steps are below:
• Use reputable websites that you know you can trust. Don’t use sites you have never heard of.
• Check for https and a lock symbol in the address box during the transaction phase. On any pages where you are entering bank account information these should be in the URL box at the top of the browser. Any address should start with ‘https’ instead of the usual ‘http’, while there should also be a lock symbol. Don’t take you transaction any further if you do not see these.
• Check that the website states the address and telephone number on the website.
So there are things that can be done to increase the chances of shopping online safely. There are some risks but this does not mean that it should be avoided. It is certainly an option this Christmas with the weather related chaos around us.
Andrew Marshall (c)
Tuesday, December 21, 2010
Small Business Website – Things to think about
Most small businesses nowadays invest in a website with the aim of generating new business. Not just any old website will do though, and it is important to make sure that websites are designed so they fit the purpose and can be used to the businesses advantage.
YOU NEED TO GET THE CONTENT RIGHT
The most important thing with your content is that you get your message across; what your business does and what makes you unique. You need to be clear and concise without overdoing it. You need to prioritise with getting across your main services or what you do best. Visitors need to get the message of who you are and how you stand out above your competitors. If relevant it is useful to have a products or services page or pages, as this allows you to clearly lay out what you do.
The following is the important information that you need to make sure you get across in your websites content:
1. Who your company is and what you do
2. Where your business is situated
3. Why you are unique
4. Your main strengths
THE WEBSITE NEEDS TO BE EASY TO USE
If your website is not easy to use then visitors will quickly leave and head to one of your competitors. The navigation is important and it should be obvious how visitors get from one part of the site to another. Being easy to read is also crucial with text needing to be large enough so readers don’t have to struggle. Separating pages to keep relevant content together while keeping different subjects apart is a useful way of making the website easy to navigate around. Visitors will be able to see where they need to go for the information they are looking for.
It needs to be obvious to visitors how they can contact you. It is useful to have an email address or phone number on the homepage, so if visitors want to contact you they can do it immediately, therefore increasing the chances of them doing business with you.
THE STYLE OF THE WEBSITE
It is important that a website looks good but the design shouldn’t be over complicated. The design should not take away from the information on the site but complement it. You have to think about how the text will look over the background colours and make sure they do not clash. Paragraphs should be used so text is spread out and easier to read. Using bullet points can also be useful as this makes certain points stand out. Bold or enlarged text for the most important information can also be a good idea.
IMAGES
Images need to complement what is on the site. If used in the right way they help to give an overall impression of what you are all about. Using unrelated images, on the other hand, is confusing to visitors.
There are many things to think about for a small business website. It is important to get every aspect right to make sure your website works for you in the best way possible.
Andrew Marshall (c)
YOU NEED TO GET THE CONTENT RIGHT
The most important thing with your content is that you get your message across; what your business does and what makes you unique. You need to be clear and concise without overdoing it. You need to prioritise with getting across your main services or what you do best. Visitors need to get the message of who you are and how you stand out above your competitors. If relevant it is useful to have a products or services page or pages, as this allows you to clearly lay out what you do.
The following is the important information that you need to make sure you get across in your websites content:
1. Who your company is and what you do
2. Where your business is situated
3. Why you are unique
4. Your main strengths
THE WEBSITE NEEDS TO BE EASY TO USE
If your website is not easy to use then visitors will quickly leave and head to one of your competitors. The navigation is important and it should be obvious how visitors get from one part of the site to another. Being easy to read is also crucial with text needing to be large enough so readers don’t have to struggle. Separating pages to keep relevant content together while keeping different subjects apart is a useful way of making the website easy to navigate around. Visitors will be able to see where they need to go for the information they are looking for.
It needs to be obvious to visitors how they can contact you. It is useful to have an email address or phone number on the homepage, so if visitors want to contact you they can do it immediately, therefore increasing the chances of them doing business with you.
THE STYLE OF THE WEBSITE
It is important that a website looks good but the design shouldn’t be over complicated. The design should not take away from the information on the site but complement it. You have to think about how the text will look over the background colours and make sure they do not clash. Paragraphs should be used so text is spread out and easier to read. Using bullet points can also be useful as this makes certain points stand out. Bold or enlarged text for the most important information can also be a good idea.
IMAGES
Images need to complement what is on the site. If used in the right way they help to give an overall impression of what you are all about. Using unrelated images, on the other hand, is confusing to visitors.
There are many things to think about for a small business website. It is important to get every aspect right to make sure your website works for you in the best way possible.
Andrew Marshall (c)
Monday, December 20, 2010
Having a Website? Questions you need to ask yourself
Having a website created for your business is so much more than just having the website designed and developed. There are many related things you need to think about to make sure your website is a success and works as a tool to improve the business.
There are certain questions that you have to ask yourself when having a website created.
What is the purpose of the website?
Why do you want a website? It could be primarily for existing customers – to be used as a portal to provide information to them on what you are doing and the latest news. Or it could be a marketing tool used to bring in new business. Establishing why you are going to have a website and the role it will play within your business is an important step, as it helps you to decide what needs to be included within the sites design.
What type of hosting should I use?
There are so many options when it comes to web hosting. There is even free hosting, although for businesses this is usually not recommended as in the majority of cases it is fairly basic hosting. Within paid hosting there are two main options: shared hosting or dedicated hosting. With shared hosting the server where you website is hosted is shared with the hosting companies other customers. This can have some limitations but is cheaper than dedicated hosting. Depending on each individual business’s requirements and the exact hosting package, this is perfectly adequate for some whereas others really have the need for dedicated hosting.
With dedicated hosting your website will have its own dedicated server, where only your website is hosted. This means more bandwidth and disk space as well as other benefits. This can be crucial for large websites but an unnecessary expense for others. Even deciding that you need dedicated hosting isn’t the end of it though, as there are many types of dedicated hosting, such as managed hosting and colocation.
Do I need support for my website?
Support for a website can be very important. It may be that you can handle it in-house or you may outsource you Business IT Support and they are able to handle the website support as well as other aspects of your IT support. Alternatively, you might require support specifically for the website. Some web hosting agencies offer this service, so the agency who are designing and developing the website could be worth approaching. Many either do not think about website support or decide to go without it to save on costs but this can be a mistake. Remember, things go wrong with websites, and this can be particularly problematic.
Do I need online marketing?
The marketing of a website is another aspect you need to think about. The websites of well known brands will be found as people will either type their website address into the URL box or type the brand name into a search engine. This will not be the case with lesser known brands though. For these, it may be worth investing in SEO (search engine optimisation). SEO services will help to optimise you website so it is visible in the search engines, which can lead to a major increase in visitors and therefore potential new business. After all, generating business is the main purpose of the majority of business websites. There is little point in going through the trouble of having a website designed and developed if no-one will ever find it. Improving its position in the search engines for relevant terms means that people who are searching for a particular product or service that you offer will be able to find your website, which in turn can lead to them doing business with you.
Andrew Marshall (c)
There are certain questions that you have to ask yourself when having a website created.
What is the purpose of the website?
Why do you want a website? It could be primarily for existing customers – to be used as a portal to provide information to them on what you are doing and the latest news. Or it could be a marketing tool used to bring in new business. Establishing why you are going to have a website and the role it will play within your business is an important step, as it helps you to decide what needs to be included within the sites design.
What type of hosting should I use?
There are so many options when it comes to web hosting. There is even free hosting, although for businesses this is usually not recommended as in the majority of cases it is fairly basic hosting. Within paid hosting there are two main options: shared hosting or dedicated hosting. With shared hosting the server where you website is hosted is shared with the hosting companies other customers. This can have some limitations but is cheaper than dedicated hosting. Depending on each individual business’s requirements and the exact hosting package, this is perfectly adequate for some whereas others really have the need for dedicated hosting.
With dedicated hosting your website will have its own dedicated server, where only your website is hosted. This means more bandwidth and disk space as well as other benefits. This can be crucial for large websites but an unnecessary expense for others. Even deciding that you need dedicated hosting isn’t the end of it though, as there are many types of dedicated hosting, such as managed hosting and colocation.
Do I need support for my website?
Support for a website can be very important. It may be that you can handle it in-house or you may outsource you Business IT Support and they are able to handle the website support as well as other aspects of your IT support. Alternatively, you might require support specifically for the website. Some web hosting agencies offer this service, so the agency who are designing and developing the website could be worth approaching. Many either do not think about website support or decide to go without it to save on costs but this can be a mistake. Remember, things go wrong with websites, and this can be particularly problematic.
Do I need online marketing?
The marketing of a website is another aspect you need to think about. The websites of well known brands will be found as people will either type their website address into the URL box or type the brand name into a search engine. This will not be the case with lesser known brands though. For these, it may be worth investing in SEO (search engine optimisation). SEO services will help to optimise you website so it is visible in the search engines, which can lead to a major increase in visitors and therefore potential new business. After all, generating business is the main purpose of the majority of business websites. There is little point in going through the trouble of having a website designed and developed if no-one will ever find it. Improving its position in the search engines for relevant terms means that people who are searching for a particular product or service that you offer will be able to find your website, which in turn can lead to them doing business with you.
Andrew Marshall (c)
Thursday, December 16, 2010
What are Phishing Emails?
Internet Safety is a much discussed issue and there are many scams out there looking to fool unsuspecting victims. One type of scam is called ‘phishing’.
Phishing is a term derived from ‘fishing’ and refers to criminals who ‘fish for’ victims personal information, such as bank account details. The most common types of phishing scams involve people trying to obtain bank account information and passwords.
The phishing technique that is used most is the sending of emails claiming to be the recipient’s bank and saying there is a problem with their account, for example they have entered the incorrect PIN three consecutive times. They send these to a large number of people. Most will not fall for the scam but by targeting a large number they hope that some will. These scams will ask recipients to click a link that will take them to the banks website where they can enter their details. Of course this will not be the actual banks website, but it may be very similar, therefore looking authentic. The original email might even claim that accounts will be suspended if this is not done, which can make some people panic and follow the instructions.
After being directed to this website victims will be asked to enter their bank account number and password. This will mean that these criminals will now have the victim’s bank details and may be able to access their account.
Not all phishing emails will involve visiting a website, some will ask recipients to call a phone number. When this number is called an automated voice message will claim to be the bank in question and request the entry of the account number and password using the telephone keypad. This will also give the scammers these details and access to the account.
To most some phishing emails are obviously scam emails, as they are poorly written and even contain spelling mistakes. Some though look very genuine and this is where many people are fooled. There are other clues as well. A URL of a bank website will be something like, www.bank.com, whereas the email address from a phishing email will be something like @onlinebanking.bank.com. The URL’s if clicked on will also begin with ‘http’ like most websites, but secure URL’s should begin ‘https’. With secure websites there is also a lock symbol in the URL box.
Links in emails from a bank should NEVER be clicked on. These types of emails will not be sent by a genuine bank. If there is a genuine problem with a bank account the bank will phone or write to customers. If unsure, you should always contact the bank to confirm whether or not any contact is genuine.
Andrew Marshall (c)
Phishing is a term derived from ‘fishing’ and refers to criminals who ‘fish for’ victims personal information, such as bank account details. The most common types of phishing scams involve people trying to obtain bank account information and passwords.
The phishing technique that is used most is the sending of emails claiming to be the recipient’s bank and saying there is a problem with their account, for example they have entered the incorrect PIN three consecutive times. They send these to a large number of people. Most will not fall for the scam but by targeting a large number they hope that some will. These scams will ask recipients to click a link that will take them to the banks website where they can enter their details. Of course this will not be the actual banks website, but it may be very similar, therefore looking authentic. The original email might even claim that accounts will be suspended if this is not done, which can make some people panic and follow the instructions.
After being directed to this website victims will be asked to enter their bank account number and password. This will mean that these criminals will now have the victim’s bank details and may be able to access their account.
Not all phishing emails will involve visiting a website, some will ask recipients to call a phone number. When this number is called an automated voice message will claim to be the bank in question and request the entry of the account number and password using the telephone keypad. This will also give the scammers these details and access to the account.
To most some phishing emails are obviously scam emails, as they are poorly written and even contain spelling mistakes. Some though look very genuine and this is where many people are fooled. There are other clues as well. A URL of a bank website will be something like, www.bank.com, whereas the email address from a phishing email will be something like @onlinebanking.bank.com. The URL’s if clicked on will also begin with ‘http’ like most websites, but secure URL’s should begin ‘https’. With secure websites there is also a lock symbol in the URL box.
Links in emails from a bank should NEVER be clicked on. These types of emails will not be sent by a genuine bank. If there is a genuine problem with a bank account the bank will phone or write to customers. If unsure, you should always contact the bank to confirm whether or not any contact is genuine.
Andrew Marshall (c)
Tuesday, December 14, 2010
Divorce in England and Wales compared with Scotland
Divorce Law differs depending on which part of Great Britain you are in. Family Law in England and Wales in the same, but in Scotland it works differently. This goes for both the laws themselves and the course that divorce proceedings take.
England and Wales
For a divorce to be granted in England and Wales a couple must have been married for more than one year and the marriage must have ‘irretrievably’ broken down with no chance of reconciliation. There are four main reasons that can be given for a divorce, with one of these needing to be given as the reason why the marriage has broken down. Adultery is the most obvious reasons, with the others being that one party has been behaving unreasonably, that the couple have been separated for two years or more if both parties agree to the divorce, or if they have been separated for over five years regardless of whether they agree or not.
A divorce can be either contested or uncontested, although contested divorces are rare. An uncontested divorce is where both parties agree to go ahead with the divorce. Even though many would not like their marriage to end they often realise that it is inevitable if that is what their spouse seeks and this results in the divorce being uncontested. One party must effectively apply for the divorce under one of the grounds mentioned above. In theory they may be required to prove the grounds for divorce, although in reality this is rarely necessary. It is more likely to be necessary in a contested divorce. Eventually, after a number of processes that have to be gone through, a judge will grant a divorce.
Scotland
In many ways Family Law Firm in Scotland is similar to that of England and Wales. Again there has to be a reason given as the grounds for divorce, and these are similar. Again adultery and unreasonable behaviour by one party are grounds for divorce. The others are living apart for one year in agreement with each other, or living apart for two years without agreement.
There are two main procedures of divorce in Scotland; a simplified procedure and an ordinary procedure.
A simplified procedure is often referred to as a ‘DIY divorce’. This option is available when the situation is relatively straightforward. The couple must have no children together and they must agree on financial and property issues. A couple can simply fill out some forms and apply for a divorce and no family law solicitors are required, which saves on costs.
An ordinary divorce must be used by those who have dependent children. In these cases the divorce will be either defended or undefended, which in some ways works in a similar way to contested and uncontested divorces in England and Wales.
The way in which defended and undefended divorces differ from the England and Wales equivalent is that a defended divorce not only covers whether or not a divorce will be granted by also takes care of any disagreements regarding children, money, property, and any other issues. An undefended divorce is only possible if the two parties agree on these matters.
Andrew Marshall (c)
England and Wales
For a divorce to be granted in England and Wales a couple must have been married for more than one year and the marriage must have ‘irretrievably’ broken down with no chance of reconciliation. There are four main reasons that can be given for a divorce, with one of these needing to be given as the reason why the marriage has broken down. Adultery is the most obvious reasons, with the others being that one party has been behaving unreasonably, that the couple have been separated for two years or more if both parties agree to the divorce, or if they have been separated for over five years regardless of whether they agree or not.
A divorce can be either contested or uncontested, although contested divorces are rare. An uncontested divorce is where both parties agree to go ahead with the divorce. Even though many would not like their marriage to end they often realise that it is inevitable if that is what their spouse seeks and this results in the divorce being uncontested. One party must effectively apply for the divorce under one of the grounds mentioned above. In theory they may be required to prove the grounds for divorce, although in reality this is rarely necessary. It is more likely to be necessary in a contested divorce. Eventually, after a number of processes that have to be gone through, a judge will grant a divorce.
Scotland
In many ways Family Law Firm in Scotland is similar to that of England and Wales. Again there has to be a reason given as the grounds for divorce, and these are similar. Again adultery and unreasonable behaviour by one party are grounds for divorce. The others are living apart for one year in agreement with each other, or living apart for two years without agreement.
There are two main procedures of divorce in Scotland; a simplified procedure and an ordinary procedure.
A simplified procedure is often referred to as a ‘DIY divorce’. This option is available when the situation is relatively straightforward. The couple must have no children together and they must agree on financial and property issues. A couple can simply fill out some forms and apply for a divorce and no family law solicitors are required, which saves on costs.
An ordinary divorce must be used by those who have dependent children. In these cases the divorce will be either defended or undefended, which in some ways works in a similar way to contested and uncontested divorces in England and Wales.
The way in which defended and undefended divorces differ from the England and Wales equivalent is that a defended divorce not only covers whether or not a divorce will be granted by also takes care of any disagreements regarding children, money, property, and any other issues. An undefended divorce is only possible if the two parties agree on these matters.
Andrew Marshall (c)
Avoiding an Investment Scam
There are many people out there looking to scam people. Therefore it is always important to keep an eye out to make sure it doesn’t happen to you, whether it is protecting against a computer virus or making sure you aren’t the victim to an investment scam.
Everyone wants to make a quick buck if they can, and some use this opportunity to offer investments to people offering quick or easy money. It is therefore very important to be sure of an investment scheme’s credentials before investing your hard earned money.
There are certain signs you should look out for. Any scheme that guarantees a big return is one to be suspicious of. A guaranteed return just isn’t possible as no investment is a certain success.
It is important to fully understand any investment product you are entering into. If you don’t understand then ask. A genuine investment manager will be happy to answer any questions, no matter how silly they may seem to experienced investors; don’t be worried about sounding like you don’t know what you are talking about. If they seem to get agitated or lose confidence in their own answers when questioned, it is probably a bad sign. Some will try to make things seem confusing so you don’t question them. A lack of information is a sign of a scam. Anything you are unsure of, ask.
Some scammers employ high pressure tactics to rush you into a decision. Avoid this at all costs. If you are unsure take your time, and say you will get back to them if you must. If they say it has to be now or never then tell them you are not interested.
It is crucial that you know what you are investing in. If an investment scheme claims to have a positive track record then make sure there is evidence to support this. It is a good idea to contact other investors who have used it in the past. Do some other research as well, for example look online. If they have been successful and people have benefited you may well find information about this. Similarly, if they have scammed people they are likely to have commented about it on blogs or forums. It is also wise to research schemes of a similar nature. For one thing, if it is a scam they may have changed the name or changed certain aspects to try to avoid detection. Most schemes will have something similar through another investment company, whether genuine or not. If you are using an investment company or partaking in investment trusts then make sure the company is registered.
Always urge on the side of caution. If in any doubt at all don’t risk your money. You should never rush into a decision. And if the investment company is trying to force you into rushing then they probably can’t be trusted.
It may sound obvious, but use common sense. If your gut feeling says this may not be trustworthy, walk away, and don’t deal with someone who does not seem professional.
Andrew Marshall (c)
Everyone wants to make a quick buck if they can, and some use this opportunity to offer investments to people offering quick or easy money. It is therefore very important to be sure of an investment scheme’s credentials before investing your hard earned money.
There are certain signs you should look out for. Any scheme that guarantees a big return is one to be suspicious of. A guaranteed return just isn’t possible as no investment is a certain success.
It is important to fully understand any investment product you are entering into. If you don’t understand then ask. A genuine investment manager will be happy to answer any questions, no matter how silly they may seem to experienced investors; don’t be worried about sounding like you don’t know what you are talking about. If they seem to get agitated or lose confidence in their own answers when questioned, it is probably a bad sign. Some will try to make things seem confusing so you don’t question them. A lack of information is a sign of a scam. Anything you are unsure of, ask.
Some scammers employ high pressure tactics to rush you into a decision. Avoid this at all costs. If you are unsure take your time, and say you will get back to them if you must. If they say it has to be now or never then tell them you are not interested.
It is crucial that you know what you are investing in. If an investment scheme claims to have a positive track record then make sure there is evidence to support this. It is a good idea to contact other investors who have used it in the past. Do some other research as well, for example look online. If they have been successful and people have benefited you may well find information about this. Similarly, if they have scammed people they are likely to have commented about it on blogs or forums. It is also wise to research schemes of a similar nature. For one thing, if it is a scam they may have changed the name or changed certain aspects to try to avoid detection. Most schemes will have something similar through another investment company, whether genuine or not. If you are using an investment company or partaking in investment trusts then make sure the company is registered.
Always urge on the side of caution. If in any doubt at all don’t risk your money. You should never rush into a decision. And if the investment company is trying to force you into rushing then they probably can’t be trusted.
It may sound obvious, but use common sense. If your gut feeling says this may not be trustworthy, walk away, and don’t deal with someone who does not seem professional.
Andrew Marshall (c)
Friday, December 10, 2010
Which Countries give the most to Charity?
Which country is the most charitable on earth? Well, that depends how you look at it and how you define charitable. There are governments who give a lot, and then there are individual within these countries who may give a lot.
Firstly, let’s look at the official development assistance given by different governments around the world. This is a measurement of money given by official government organisations that goes towards economic development and welfare. It is the United States who gives most of any country, with approximately $29 billion donated a year. This is more than double the next countries on the list, France, Germany and the United Kingdom, all of which give $12 billion. Generally, and unsurprisingly, it is the wealthiest countries who give the most, although Japan is the only one of Asia’s wealthiest countries near the top of the list. The wealthiest countries can afford to give more, so does that make them more generous?
Another way that generosity can be calculated is by looking at the percentage of GDP that each country gives. This is lead by Northern Europe. Sweden gives the most as a percentage of GDP, at 1.12% following by Norway (1.06%), Luxembourg (1.01%), Denmark (0.88%), and the Netherlands (0.82%). In fact, all of the top nine are in Northern Europe, with all the Scandinavian countries, Luxembourg, the Netherlands, Belgium, Finland, Ireland and the United Kingdom. The top non-European country in this list is Canada, which is only placed fourteenth, and donates less than one-third of a percent of their GPP (0.30%). Although the United States gives the most in the monetary amount, they only give 0.20% of their GDP and are 19th on the list.
So, these are the countries that give most, but whose citizens are most generous when it comes to giving to charity? It is again mostly Northern European Countries at the top of the list of the average amount given to charity per citizen. Those from Luxembourg are the most generous, the only country whose citizens give on average more than $100 a year ($114). Norwegian’s give $96, with Swedes and the Irish given $66. Kuwaiti’s give on average $33. Those from the United Kingdom only give $17 a year each and American’s only $14, while German’s give $9.
It is those from Malta, though, who have the highest percentage who give to charity. 83% of Maltese say the give to charity according to the Guardian. Following Malta on this list are the Netherlands (77%), the United Kingdom (73%), Thailand (73%), Ireland (72%) and Morocco (72%). 60% of American’s donate to charity. Looking at some of the countries who come towards the top of the list when it comes to the average amount each citizen donates, 58% of those from Luxembourg give to charity, 52% of Swedes and 43% of Norwegians. So although these three countries give a lot on average, a relatively low percentage of citizens donate to charity, while in countries such as the United Kingdom and Thailand, they may not give as much on average but a higher percentage donate at some point.
In reality, it is very difficult to judge which countries are more generous. There are so many different methods of looking at it, and it is difficult to say which one more accurately reflects which countries are more generous when it comes to donating to charity.
Andrew Marshall (c)
Firstly, let’s look at the official development assistance given by different governments around the world. This is a measurement of money given by official government organisations that goes towards economic development and welfare. It is the United States who gives most of any country, with approximately $29 billion donated a year. This is more than double the next countries on the list, France, Germany and the United Kingdom, all of which give $12 billion. Generally, and unsurprisingly, it is the wealthiest countries who give the most, although Japan is the only one of Asia’s wealthiest countries near the top of the list. The wealthiest countries can afford to give more, so does that make them more generous?
Another way that generosity can be calculated is by looking at the percentage of GDP that each country gives. This is lead by Northern Europe. Sweden gives the most as a percentage of GDP, at 1.12% following by Norway (1.06%), Luxembourg (1.01%), Denmark (0.88%), and the Netherlands (0.82%). In fact, all of the top nine are in Northern Europe, with all the Scandinavian countries, Luxembourg, the Netherlands, Belgium, Finland, Ireland and the United Kingdom. The top non-European country in this list is Canada, which is only placed fourteenth, and donates less than one-third of a percent of their GPP (0.30%). Although the United States gives the most in the monetary amount, they only give 0.20% of their GDP and are 19th on the list.
So, these are the countries that give most, but whose citizens are most generous when it comes to giving to charity? It is again mostly Northern European Countries at the top of the list of the average amount given to charity per citizen. Those from Luxembourg are the most generous, the only country whose citizens give on average more than $100 a year ($114). Norwegian’s give $96, with Swedes and the Irish given $66. Kuwaiti’s give on average $33. Those from the United Kingdom only give $17 a year each and American’s only $14, while German’s give $9.
It is those from Malta, though, who have the highest percentage who give to charity. 83% of Maltese say the give to charity according to the Guardian. Following Malta on this list are the Netherlands (77%), the United Kingdom (73%), Thailand (73%), Ireland (72%) and Morocco (72%). 60% of American’s donate to charity. Looking at some of the countries who come towards the top of the list when it comes to the average amount each citizen donates, 58% of those from Luxembourg give to charity, 52% of Swedes and 43% of Norwegians. So although these three countries give a lot on average, a relatively low percentage of citizens donate to charity, while in countries such as the United Kingdom and Thailand, they may not give as much on average but a higher percentage donate at some point.
In reality, it is very difficult to judge which countries are more generous. There are so many different methods of looking at it, and it is difficult to say which one more accurately reflects which countries are more generous when it comes to donating to charity.
Andrew Marshall (c)
Types of Children’s Savings Accounts
Many parents like to save for their children when they can and there are many ways of doing this. This article looks at some of the popular types of children savings accounts.
Regular Children’s Savings Accounts
These are amongst the most common methods used by parents to save on behalf of their children. They are set up in the child’s name but controlled by parents who can deposit and withdraw money as they please. It is a good idea to make deposits on a regular basis to gradually build up the amount accumulating within the account. Some put in a set amount every month while others make payments when they have a little money spare and can afford to. Some choose to pay any money children receive for Birthday’s and Christmas from family members into the account. Parents have complete control of the account and can switch this over to the child when they see fit, whether this is when they turn eighteen or twenty-one, or earlier such as when they start to want to buy things for themselves. Because parents can also withdraw from the account they can use it to pay for things their child needs or wants. The disadvantage of regular children savings accounts is that they do not have the highest interest rates.
Children’s Bonus Bond
A children’s bonus bond is a scheme whereby parents can invest a lump sum on behalf of a child and this sum then accumulates tax free interest. This amount can remain in the account up until the child’s twenty-first birthday but they have control of the account from the time that they turn sixteen. After the account has been active for five years there is a bonus, which is also tax free. It can be cashed at anytime but if done so within the first year none of the accumulated interest is received. The idea of the scheme with the lack of interest prior to the first year and the five-year bonus is to encourage long term savings.
Fixed Term Savings Accounts
With a fixed term savings account payments are made as parents choose, but money cannot be taken out until a fixed time period has passed. This can be anything from one year to five years. The major advantage of these accounts is the high interest. As a bank or building society knows the money will be there for this fixed period they will offer a higher interest compared to other types of accounts. The disadvantage is that you are unable to withdraw until this time period has elapsed.
Child Trust Fund
The child trust fund is going to be discontinued, but that does not mean it has no value to those who are already benefitting. The child trust fund is a government scheme whereby the government gives a £250 voucher to parents of new born children to invest on their behalf and another voucher of the same amount when they turn seven. Children don’t have control until they are eighteen. Family and friends can invest up to £1,200 a year on top of this. This part of the scheme will continue as with other benefits such as investment being tax free. So for those already on the scheme and past their seventh birthday it will be unchanged. For those under seven they will not receive the second payment. Although this will be discontinued the government is likely to bring in another scheme, the Junior ISA. This will be similar but without the two government contributions. So essentially it will be the same minus a total of £500 worth of investment.
Andrew Marshall (c)
Regular Children’s Savings Accounts
These are amongst the most common methods used by parents to save on behalf of their children. They are set up in the child’s name but controlled by parents who can deposit and withdraw money as they please. It is a good idea to make deposits on a regular basis to gradually build up the amount accumulating within the account. Some put in a set amount every month while others make payments when they have a little money spare and can afford to. Some choose to pay any money children receive for Birthday’s and Christmas from family members into the account. Parents have complete control of the account and can switch this over to the child when they see fit, whether this is when they turn eighteen or twenty-one, or earlier such as when they start to want to buy things for themselves. Because parents can also withdraw from the account they can use it to pay for things their child needs or wants. The disadvantage of regular children savings accounts is that they do not have the highest interest rates.
Children’s Bonus Bond
A children’s bonus bond is a scheme whereby parents can invest a lump sum on behalf of a child and this sum then accumulates tax free interest. This amount can remain in the account up until the child’s twenty-first birthday but they have control of the account from the time that they turn sixteen. After the account has been active for five years there is a bonus, which is also tax free. It can be cashed at anytime but if done so within the first year none of the accumulated interest is received. The idea of the scheme with the lack of interest prior to the first year and the five-year bonus is to encourage long term savings.
Fixed Term Savings Accounts
With a fixed term savings account payments are made as parents choose, but money cannot be taken out until a fixed time period has passed. This can be anything from one year to five years. The major advantage of these accounts is the high interest. As a bank or building society knows the money will be there for this fixed period they will offer a higher interest compared to other types of accounts. The disadvantage is that you are unable to withdraw until this time period has elapsed.
Child Trust Fund
The child trust fund is going to be discontinued, but that does not mean it has no value to those who are already benefitting. The child trust fund is a government scheme whereby the government gives a £250 voucher to parents of new born children to invest on their behalf and another voucher of the same amount when they turn seven. Children don’t have control until they are eighteen. Family and friends can invest up to £1,200 a year on top of this. This part of the scheme will continue as with other benefits such as investment being tax free. So for those already on the scheme and past their seventh birthday it will be unchanged. For those under seven they will not receive the second payment. Although this will be discontinued the government is likely to bring in another scheme, the Junior ISA. This will be similar but without the two government contributions. So essentially it will be the same minus a total of £500 worth of investment.
Andrew Marshall (c)
Thursday, December 9, 2010
Kuwaiti Customs
Kuwaiti culture and customs have become less rigid and more like Western cultures over the years. However, the culture is still generally traditional. Some Kuwaiti’s expect visitors to behave to their customs while others accept that they may not understand the culture. Here is a guide to some of the traditional customs that in the main continue to this day.
Visiting Someone’s Home
Kuwaiti’s enjoy having visitors to their homes. This is the main place for socializing, with much of Kuwaiti culture centred around the family. When visiting someone’s home it is usual that you bring a small gift. If the gift is wrapped don’t be offended if they don’t open it in front of you as they will generally do this later on. Alcohol should not be given as a gift and men should only give gifts to women on behalf of a woman. When entering someone’s home you should remove your shoes. Particular respect should be given to the older members of a family or group; this is a theme in families throughout the country.
Most of the socializing is done prior to a meal rather than after. When you visit someone’s home you are unlikely to eat immediately as this is the time you will be introduced to the members of the family you have not met before and socialize. Once the meal begins guests will be served followed by the older members of the group, and ending with the youngest. It is considered rude to refuse food or drink. You should leave some food on your plate if you do not want anymore as they will assume you want more if you have eaten everything. Don’t feel as though you are being rude by not clearing your plate. The custom is to only eat with your right hand. The host standing up signified the end of the meal. Once the meal has been finished the evening comes to an end, socializing does not continue after this.
Socializing Outside of the Home
Although a large proportion of socializing happens within the home, it also takes place in restaurants and hotels. It is common though, for men and women to socialize separately in these situations. If a group attending a social event includes both men and women they may be split and be in different rooms. This is not as common as it once was but still happens on some occasions.
How to Dress
Kuwaiti’s dress conservatively with many wearing traditional dress. Traditional dress is not expected to be worn by foreigners but they are expected to dress conservatively. Men shouldn’t wear shorts and should not be topless unless by a swimming pool or other places where it is deemed appropriate. Women should not wear short skirts or dresses, and their knees should be covered. Their shoulders should also be covered.
Business
Business meetings are in many ways less formal than in the West. Meetings are often interrupted by people walking in to ask questions, possibly unrelated to the meeting. This is considered normal. Partly due to this meetings can be a drawn out process and it is rare for there to be a specific planned finish time. Negotiation is common and it can take a lengthy period of time for decisions to be reached. In negotiation with other businesses or individuals it is vital that you don’t look as though you are deceiving them. Business relationships are built on a foundation of trust and if they believe you may be untrustworthy they will not want to do business with you.
Andrew Marshall (c)
Masahati is a property listings website for those looking to Buy or Rent in Kuwait.
Visiting Someone’s Home
Kuwaiti’s enjoy having visitors to their homes. This is the main place for socializing, with much of Kuwaiti culture centred around the family. When visiting someone’s home it is usual that you bring a small gift. If the gift is wrapped don’t be offended if they don’t open it in front of you as they will generally do this later on. Alcohol should not be given as a gift and men should only give gifts to women on behalf of a woman. When entering someone’s home you should remove your shoes. Particular respect should be given to the older members of a family or group; this is a theme in families throughout the country.
Most of the socializing is done prior to a meal rather than after. When you visit someone’s home you are unlikely to eat immediately as this is the time you will be introduced to the members of the family you have not met before and socialize. Once the meal begins guests will be served followed by the older members of the group, and ending with the youngest. It is considered rude to refuse food or drink. You should leave some food on your plate if you do not want anymore as they will assume you want more if you have eaten everything. Don’t feel as though you are being rude by not clearing your plate. The custom is to only eat with your right hand. The host standing up signified the end of the meal. Once the meal has been finished the evening comes to an end, socializing does not continue after this.
Socializing Outside of the Home
Although a large proportion of socializing happens within the home, it also takes place in restaurants and hotels. It is common though, for men and women to socialize separately in these situations. If a group attending a social event includes both men and women they may be split and be in different rooms. This is not as common as it once was but still happens on some occasions.
How to Dress
Kuwaiti’s dress conservatively with many wearing traditional dress. Traditional dress is not expected to be worn by foreigners but they are expected to dress conservatively. Men shouldn’t wear shorts and should not be topless unless by a swimming pool or other places where it is deemed appropriate. Women should not wear short skirts or dresses, and their knees should be covered. Their shoulders should also be covered.
Business
Business meetings are in many ways less formal than in the West. Meetings are often interrupted by people walking in to ask questions, possibly unrelated to the meeting. This is considered normal. Partly due to this meetings can be a drawn out process and it is rare for there to be a specific planned finish time. Negotiation is common and it can take a lengthy period of time for decisions to be reached. In negotiation with other businesses or individuals it is vital that you don’t look as though you are deceiving them. Business relationships are built on a foundation of trust and if they believe you may be untrustworthy they will not want to do business with you.
Andrew Marshall (c)
Masahati is a property listings website for those looking to Buy or Rent in Kuwait.
Types of Accommodation for Foreigners in Kuwait
The last few years has seen an influx in Westerners moving to the Middle East, and amongst the countries that have become home to many of them is Kuwait. Those moving to Kuwait are not allowed to buy property. Amongst the reasons for this is that it keeps the prices down making it affordable for locals. Therefore for those moving from abroad the only option is to rent. There are many rental options available.
In Kuwait the norm is for Kuwaiti’s to live in houses, which tend to be larger than in Europe. One reason for this is that it is common for several generations of the same family to live together. With the influx of foreigners living in the country though, there has been an increase in the number of apartment blocks. Accommodation in Kuwait has had to be built quickly due to the increase in people coming in, and this is easier to do when building apartments.
Furnished Apartments
Apartments in Kuwait are often serviced and furnished. Many have been specifically built with foreigners in mind and they have been promoted as being perfect for the ‘Western style of living’. Amenities are included, including satellite television (so people can watch programs in their own language and from their own country), children’s playgrounds, and many have a gym, swimming pool and tennis courts. The services included in serviced apartments include cleaning and security. Serviced apartments are perfect for many moving to Kuwait, especially those who are working in the country on a short-term basis, as many are. It is obviously problematic to move furniture from a different country (especially if only for a short time) and these apartment’s mean residence avoid paying for furniture they may only need for a couple of years.
Compounds
A compound is a group of apartments set together within one complex. These are becoming increasingly common in Kuwait, and like individual apartment blocks, are mostly occupied by foreigners. These are very much like private estates, sometimes with other amenities within the compound. Some have become individual expat communities with many people from one nationality or one part of the world living within the same compound.
Villa’s
A lot of Kuwaiti’s live in Villa’s. They are usually large and often detached. They are also popular amongst foreigners. As they are spacious they are suitable for those moving to Kuwait with their family. Some individuals coming to Kuwait for a short period choose to rent a Villa with others who are in a similar situation to them. Villa’s are not as common for foreigners to live in as apartments though.
Andrew Marshall (c)
In Kuwait the norm is for Kuwaiti’s to live in houses, which tend to be larger than in Europe. One reason for this is that it is common for several generations of the same family to live together. With the influx of foreigners living in the country though, there has been an increase in the number of apartment blocks. Accommodation in Kuwait has had to be built quickly due to the increase in people coming in, and this is easier to do when building apartments.
Furnished Apartments
Apartments in Kuwait are often serviced and furnished. Many have been specifically built with foreigners in mind and they have been promoted as being perfect for the ‘Western style of living’. Amenities are included, including satellite television (so people can watch programs in their own language and from their own country), children’s playgrounds, and many have a gym, swimming pool and tennis courts. The services included in serviced apartments include cleaning and security. Serviced apartments are perfect for many moving to Kuwait, especially those who are working in the country on a short-term basis, as many are. It is obviously problematic to move furniture from a different country (especially if only for a short time) and these apartment’s mean residence avoid paying for furniture they may only need for a couple of years.
Compounds
A compound is a group of apartments set together within one complex. These are becoming increasingly common in Kuwait, and like individual apartment blocks, are mostly occupied by foreigners. These are very much like private estates, sometimes with other amenities within the compound. Some have become individual expat communities with many people from one nationality or one part of the world living within the same compound.
Villa’s
A lot of Kuwaiti’s live in Villa’s. They are usually large and often detached. They are also popular amongst foreigners. As they are spacious they are suitable for those moving to Kuwait with their family. Some individuals coming to Kuwait for a short period choose to rent a Villa with others who are in a similar situation to them. Villa’s are not as common for foreigners to live in as apartments though.
Andrew Marshall (c)
Friday, December 3, 2010
How Businesses can make use of Virtual Private Servers
Many businesses now use computer networks for a variety of reasons. And many of these make use of Virtual Private Network’s, or as it is also known, VPN. VPN makes it possible for businesses to use their computer networks remotely, either at other offices, from home or elsewhere.
Many offices use a wide area network (WAN) to store files that employees need access to and employees can save files to this network. It is really the equivalent to saving files to a computer, but others on the network will also be able to gain access. There may be some parts of the network that only a specific user will be able to gain access to or a group of users, while some may be available to all those who have access to the network. Within some businesses employees will not always use the same computer, but they will still be able to gain access to their relevant files by logging on with their own username and password. The advantage of this type of system is that those who require access to any particular files can get it, while others can’t. That is the case whether they work within the organisation or not. Outsiders will be unable to gain access.
This type of system works well for many businesses. Within the office this is fine and everyone can gain access to what they need. The problem comes when employees are not working from the office. They may be at a meeting and require access, they might be working from home or could be working from a different office. They could even be on the move wanting to work on the train, for example. This is where Virtual Private Networks (VPN) are useful. They make it possible for employees to gain access to the network wherever they are.
With VPN Server’s the network is routed through the internet and users can be connected together and connected to the network. It uses virtual connections routed through the internet from the company’s private network to the remote site, such as another office, or to the remote user, either to their home computer or laptop. This means that employees do not necessarily have to be in the office to be able to work. Of course, for some businesses this is almost crucial to be able to operate, while for other it means they are spared the odd inconvenience.
Virtual Private Network’s can be a significant help to many businesses. For a variety of reasons it is not always possible for employees to be in the office and Virtual Private Networks allow them to be able to work without the inconvenience of not having access to the company’s network.
Andrew Marshall (c)
Many offices use a wide area network (WAN) to store files that employees need access to and employees can save files to this network. It is really the equivalent to saving files to a computer, but others on the network will also be able to gain access. There may be some parts of the network that only a specific user will be able to gain access to or a group of users, while some may be available to all those who have access to the network. Within some businesses employees will not always use the same computer, but they will still be able to gain access to their relevant files by logging on with their own username and password. The advantage of this type of system is that those who require access to any particular files can get it, while others can’t. That is the case whether they work within the organisation or not. Outsiders will be unable to gain access.
This type of system works well for many businesses. Within the office this is fine and everyone can gain access to what they need. The problem comes when employees are not working from the office. They may be at a meeting and require access, they might be working from home or could be working from a different office. They could even be on the move wanting to work on the train, for example. This is where Virtual Private Networks (VPN) are useful. They make it possible for employees to gain access to the network wherever they are.
With VPN Server’s the network is routed through the internet and users can be connected together and connected to the network. It uses virtual connections routed through the internet from the company’s private network to the remote site, such as another office, or to the remote user, either to their home computer or laptop. This means that employees do not necessarily have to be in the office to be able to work. Of course, for some businesses this is almost crucial to be able to operate, while for other it means they are spared the odd inconvenience.
Virtual Private Network’s can be a significant help to many businesses. For a variety of reasons it is not always possible for employees to be in the office and Virtual Private Networks allow them to be able to work without the inconvenience of not having access to the company’s network.
Andrew Marshall (c)
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