How To Utilize Cryptocurrency In Your Business


Cryptocurrency, quite simply, is changing the financial face of businesses and even individuals. It is the revolution in the way we perform transactions, invest and raise capital. It is replacing the need for physical money, and in some cases, it is replacing the need for banks and high-interest loans. Therefore, as more and more of us turn digital, what does this mean for the financial future in the world of business? Below we delve into the world of cryptocurrency.

Blockchain & Bitcoin

The rise of cryptocurrency has allowed new, innovative internet technology known as ‘Blockchain’ to develop. This breakthrough technology was originally created for bitcoin transactions, as it cleverly lets digital information be transferred and distributed, but not copied. It means that when businesses and individuals trade using bitcoins, they can use the digital Blockchain virtual currency exchange. The database is a public ledger which has no location and isn’t stored in one place. Therefore, it is easily accessed by the public, and a hacker cannot corrupt the files as millions of computers are hosting it. Bitcoin, on the other hand, is a digital cryptocurrency which can be used to pay for items electronically through a peer-to-peer network.

The Advantages

Cryptocurrency may be the newest digital financial trend but why are more businesses turning to this method?

  • Investment Opportunities: When you are looking to expand and grow your business, bitcoins pose the perfect investment opportunities for fellow startups and established companies. Bitcoin is often referred to as ‘digital gold,’ which means that the value has steadily risen in recent years. The total value of all bitcoin ranges into billions, and at the end of April 2017, the price per bitcoin was a record high of $1,343.
  • No Banks: As mentioned above, bitcoin is a peer-to-peer network, which means that any transactions aren’t processed through banks. It allows payments to be processed much quicker and in one currency. It means for your business that you can raise capital quicker and cheaper and it cuts out the drawn-out process of visiting banks for loans.
  • Anonymous Transactions: Bitcoins are stored in a digital wallet, and when you trade using your wallet, all that is revealed to the vendor is your wallet ID. This protects your identity, your business identity, and the vendor’s identity.
  • International Payments: As it is one centralized currency, bitcoin means you don’t have to worry about exchange rates when you are trading and buying Bitcoins feature no credit card fees, and they aren’t tied to any current regulations. You also don’t need to wait for payments as they are instant.
  • Easy To Use: Unlike having to visit a bank to transfer money, with using the digital wallet, you can transfer easily using your computer or an app on your device. There are even complex puzzles you can complete to “mine” bitcoins which are growing in popularity. On average, every 10 minutes, the winner of the puzzle is awarded5 bitcoins.

The Downside

As with every piece of technology, cryptocurrency does come with its fair share of downsides.

  • No Regulations: As mentioned, currently bitcoins and other forms of cryptocurrency aren’t imposed by regulations within countries. It means that the threat of fraud and price manipulation is significantly higher than with traditional currency. Without regulations, it has also meant that investors are using the money they don’t possess to gamble on bitcoins. Financial investors have called upon governments to impose regulations, but the absence is a large reason why investors turn to cryptocurrency. However, there are governments across the globe considering regulating their countries bitcoin markets.
  • Cybersecurity: Unfortunately, using a digital wallet means you aren’t only not insured by FDIC, but hackers and cyber threats can be present. The cryptocurrency market is hosting on a vast number of computers, which means there isn’t one central location where you can use anti-virus and anti-malware protection.  
  • Anonymity: While keeping your identity private can be an advantage, cryptocurrency has become the chosen transaction method for those using it for illicit purchases, such as buying drugs online. The anonymity means transactions cannot be traced back to the individual, which in future police cases, may pose an important issue.
  • Uncertain Future: Cryptocurrency may be highly popular at this However, no one can be sure whether it will rise in popularity or it will crash and burn. It means that investment businesses choose may fall foul and lose valuable money. On the other hand, it also has the scope to become the currency of choice in years to come.

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10 Unmistakable Signs That You’re Ready to Trade Stocks Online

Many people believe that investing in the stock market is risky and that putting your money in a safe savings account at the bank or in a money market account is the wisest financial decision. However, this isa misconception because the money in these accounts is not safe from the effects of inflation and taxation.

For this reason, a number of people see the sense in learning how to invest in the stock market. The following are signs that you too are ready to take the leap.

  1. You’re interested in earning additional income

This should be the most obvious. A lot of successful investors in the stock market got into it with the intention of making some extra money on the side. Many of them have ended up doing it on a fulltime basis. Stocks are an effective way of creating additional monthly income through regular monthly dividends or through the appreciation of stock prices. You can benefit from both by DEVELOPING A WELL RESEARCHED INVESTMENT STRATEGY

  1. You’re interested in getting more value for the time you invest

You’re interested in earning as much as you can for every unit of time invested. In other words, you want to earn more dollars per hour for the spare time you invest. Stock market trading is perfect for this because with time, you can increase the profit you make in a given period by improving your investment strategy.

In stock trading, information is highly critical. The more knowledgeable you become in selecting the right stocks, the more money you will make. Investors who invest a lot of time in educating themselves on the factors that affect stock prices benefit from having investment portfolios that outperform those of their peers.

  1. You’re excited by the prospect of participating in the game

If you’re a big fan of hazard games such as online poker or slots, then you will most likely enjoy the activity of live online trading, leave alone winning. For you, it’s as much about playing the game as it is about winning. You’re not afraid of a challenge and you’re certainly comfortable with a bit of risk.

Note that this is not to say that you should approach live trading in the stock market the same way you would online gambling. These are two different domains, each with its own set of rules. The comparison drawn here is with respect to your level of risk tolerance, which is required to a certain measure for success in the stock market.

  1. You have only a modest amount of capital to invest

The money you have available to invest is not substantial. Fortunately, that is not a big problem when it comes to learning how to invest in the stock market. You can start out by using a demo account to trade. This will help you learn the ropes so that once you save up a sizable amount of capital, you can start investing real money at a lower risk of loss because of the knowledge you gain.

  1. You recognize the importance of planning and have learned how to plan well

Are you the kind of person that has to have a good plan before starting anything worthwhile? Do you meticulously create your plans and stay committed to them? High profile investors such as Tim Sykes  TIM SYKES are a testament to the value of sticking to a strong strategy. If so, you’ll have a great advantage over a majority of investors in the stock market. Most of them go from trade to trade without following any given strategy.

  1. You’re clear about what you want

A number of options exist for earning extra monthly income, each with its own set of advantages and disadvantages. It is essential that you identify which among all available financial instruments best suit your investment goals and risk appetite. If, after comparing all the options for investment, you find that stock trading appeals to you the most, that’s a sign you should take the plunge.

  1. You have a healthy attitude toward stock trading

To live trade successfully, you need to consistently  MAINTAIN THE RIGHT FRAME OF MINDWhile a few investors may have this attitude from the start, most have to learn it along the way, usually after making a few mistakes. Qualities that are present in a good live trader include the objectivity needed to make a data-driven decision, discipline to commit to an investment strategy and the patience needed to give the strategy time before desired results can be achieved.

  1. You don’t easily crumble under highpressure

If you have the nerves needed to go through the inevitable tumultuous periods, then you’re well-equipped to live trade on the stock market. There will certainly be many times when you expect the price of certain stocks to go in one direction only for them to go in the opposite direction. Are you prepared to handle the immense pressure that comes with such occurrences?

During these moments, you’ll need to resist the temptation to abandon your investment strategy and make some ad hoc reactionary decisions  AD HOC REACTIONARY DECISIONS as that is never a good idea. You need to trust your strategy and avoid pulling the plug.

  1. You question everything and trust nobody

The unfortunate truth is that far too many people interested in online stock trading have been victims of scams. It is therefore imperative that you stay vigilant at all times. If whenever someone suggests something that goes against your instinct, you carry out research to ascertain the facts, then you will do well as a stock market trader. In the end, your trust should lie only in the data and in your instinct.

  1. You realize that live trading is not a path to easy riches

As with other legitimate investment options, returns from stock trading come after a period of learning and committing to a well-documented, testable and replicable investment strategy. If you’re willing to invest the time and effort it takes to become a successful investor, then you have a strong indicator that you are ready to trade stocks online.


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What Are the Pros and Cons of Bots? automate all services

Automation is here to stay. At least it seems that way. Ordering in food or flowers or getting your alarm going in the morning has never been easier, or more fun. As with every new development, there will always be a few negative things that will try to mess it up. The advent of bots has come with a number of advantages as well as disadvantages.

Bots have found their way into many spheres of our lives.

  • Marketing
  • Education
  • Healthcare
  • Lifestyle
  • Customers services

These fields and more have developed automation services or tasks that can be dealt with by virtual assistants. Socializing on social media has brought some significant reasons why you may need to find out how you can block bad bot traffic. That aside, there are many good things associated with bots.


Bots have brought with them a world of good. Have a look:

  • They save time for the server and the customer or client and are also very convenient.

They save time and money for the business and this results in higher profits for the business. If you factor in online shopping, you will understand how much time you save by being able to do your orders from home. You do not need to make time during the course of the day to go shopping. All the browsing and testing and the time wastage that physical shopping brings can be avoided.

Should you get home in the dead of the night and you are either too tired to cook or there is nothing in the fridge, you can turn to the internet for a solution. Stores are open 24/7 and you can have food delivered to you at any time. That is quite a leap from the time when you would have to make a call or find that no stores were open past a certain time. As long as you can access the chatbots all you need to rememberis what you want to eat. In addition, you can browsefor restaurants that are open in your area without having to call anyone. Thus, no one knows where you are unless you choose to tell them.

There is nothing that tires a person as much as something that one has to do over and over again, every day. Imagine having to physically take down files, then put them back and having to repeat that throughout the day or even the week! One is bound to get bored. Automation takes care of such tasks for you as yousimply order your bot. You can then move on to other tasks. You get more done that way.

If you need your incoming information organized, bots help to make that happen in record time. The same happens with data organization.

When you are dealing with a lot of activities that are interrelated, it is easier and faster when there is a bot to handle them. Pushing buttons and getting information from myriads of sources and coordinating directions can be achieved so much fasterwhen one simply has to give orders.


Below are a few disadvantages of the use of bots:

  1. They cannot be effectively set to perform exact tasks and they can misunderstand instructions. One can set up more that one bot to deal with several tasks though.
  2. If a customer makes an order that is beyond the bot’s scope of knowledge, that could be a problem, especially if there is no human to interpret the order or deal with such a situation should it crop up.
  3. Some things cannot be taught. A chatbot, for instance, does not have the capability to interpret additional features of an order. It is only a human who can make adjustments if need be. It is therefore necessary to have a professional on hand to deal with issues that the bot may misunderstand.
  4. The human touch is still necessary. Most humanbeings still prefer to deal with a fellow human with whom they can engage in some small talk as they take care of their order. It is also not possible as yet to automate all services. Some things like deliveries can only be done by humans.
  5. There is the possibility of abuse from unscrupulous humans. You must have heard about how people get trolled online by others. For the longest time, it was assumed that there are a lot of humans on social media sites who have nothing better to do than start fights.

On the issue of trolls, it does seem that some humans are up to no good where others are concerned. However, it is a relief to know that such bots can be identified and furtherinteraction with them avoided. It is also good to know that one can get such reported and blocked as they tend to come up in the form of social media accounts.

Bots may be relatively new as of now, but there are developers who are working hard to make them better. Right now, the jury is out on whether they are really helpful or not. Many enterprise owners have embraced the use of bots in their businesses, especially for customer care purposes. That is definitely a sign of great things to come.


Bots are beginning to make their presence felt and not just in the social media circles. It would appear that they are most prone to abuse in those circles as people can easily make botaccounts for trolling purposes. That said, the development of bots cannot be pushed aside. It is just a matter of time before they take over all things to do with the internet. As the developers work on making better bots, you may continue to enjoy the privileges of shopping online and getting your data synchronized in record time.


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Six Ways To Win At Employee Experience



At the start of January, Forbes contributor, Denise Lee Yohn, shared this quote, followed by its definition. She wrote, “EX is the sum of everything an employee experiences throughout his or her connection to the organization”.

Employers will start to see a change from “human resources” to a fresher standpoint of HR, seen as “people operations”, in order to take full advantage of employee value. It’s all about your employee’s experience over time – from the application process to the day they leave your business.


Think about the employee involvement in four parts: value of work, culture, workplace, and technology.

What makes up the employee’s experience? First, there is value of work, and whether or not your employees find significance in the work they do. Second, there is culture, defined by the way your employees feel when they are at work and all the components that add to this – their collogues, the management, compensation and benefits, etc. Third, there is the workplace feature. Consider the physical workplace that your employees are in and how this permits them to be industrious and creative in doing their job. Lastly, there is the technology element, and giving your employees the utensils to do their job effectively. All of these components make up the employee experience that strengthens HR goals of increasing retention and decreasing the amount of employees who leave.


How can you win at the employee experience?

Here are six ways to help employers focus on building a better employee experience.

  1. Revive your onboarding procedures and processes: Make sure your employees feel welcomed on their first day and enthusiastic to start their employment voyage with your company.
  2. Embrace the idea of allowing your employees to work remotely: Technology can be utilized almost anywhere. Take advantage of the machines and devices that allow your employees to work from home or different locations.
  3. Foster an environment that is inclusive: Check in with your employees to make them feel like they’re part of the decision-making process. You want your employees to feel like they have a voice and can be heard.
  4. Start a social committee: Inspire your employees to start or join a social committee and support them with it – this is a great way to build company culture and keep them happy.
  5. Celebrate milestones: Mark your calendar with your employees’ key milestones and show that you recognize and appreciate them.
  6. Welcome feedback: Try and gather information from your employees on job satisfaction and have them identify what they love, like and dislike about the organization.

There are a number of ways to focus on employee experience. There is no better way to create a hospitable experience than by incorporating these six elements. Our advice to employers is to start by thinking about the four parts that make up the employee experience and what will be the most cost-effective and rewarding to both your workforce and to your business.

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5 Steps to Selecting Your Deck Contractor

Most people find that having a deck gives them a place to enjoy the outdoors.  Here they can entertain family and friends, or simply relax.  In order to have a deck put in you need to find a contractor that can do a good job for you.  It is important that you gather as much information as possible prior to meeting a contractor to discuss your deck.  Armed with this information you will be better able to make a good decision on your contractor.  Here are tips for hiring a fantastic deck builder:

  • This is where you begin.  Research deck builders online using such keywords as DECKS BRISBANE to see the companies that offer these services in your area. It may also be a good idea to ask your friends and family for recommendations.  Once you have reviewed several websites and have a list of 4 or 5 that you like, check out online reviews on them.
  • Create a plan. Start by knowing what you really want. This is important because as the owner, you will be guiding the planning process. Work hand in hand with the contractor to finalize as well as establish what you want done. This means doing the following:
    • Come up with a layout
    • Figure out if you need special features to be added later
    • Consider the materials you would like used to create the deck and the various finishes you are interested in.
    • Work on your budget to figure how much you can part with to make the project a success.
  • Make a comparison of deck builders. Now that you have found several deck builders in your area, and you have a concise plan, it’s time to interview the builders. As you do so, make comparisons. Find out if they are insured and licensed. Also ask them for a list of references.  Based on your plans and budget, find out how well they will be able to deliver. It is also important to ask them for written estimates.
  • Follow up. With the information gathered it is time to carry out your follow up after the interview.  This means calling up references and comparisons of what the contractors have to offer. You will also need to verify the license information given and follow up on the estimates given to ensure that what you are given is indeed reasonable. Be sure to compare price but not in isolation.  A cheaper rate may mean lower quality work.  Review pricing alongside other important factors.
  • Contract signing. Once you have identified the contractor who fits you well it is time to sign up.  The contract must be thoroughly reviewed.  Be sure to get:
    • Contractor’s license information
    • Insurance information copies
    • Ensure that the contract has an established deadline
    • Confirm that there are no costs or fees that are hidden
    • Insist on a complete pricing breakdown
    • Confirm that they are willing to take responsibility for any damage that may be accidentally caused by them on the property during this time.


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1400+ attendees. 70+ companies demoing. 120+ expert speakers. Countless opportunities.

See cutting-edge banking, financial and payments technology in a unique, short-form, demo format. Plus new for 2018….after the 70+ demos on days one and two, get advice and insights from another 120+ fintech experts in a newly expanded programme on days three and four. All taking place in a larger venue to accommodate increased demand.

  • 70+ companies (listed below) will demo over the first two days of the event on 6-7 March
  • Competitive application process means only truly innovative companies will be on stage
  • Meet your favorite founders one on one. Go back to the office both inspired and up-to-date on the latest digital developments across the entire financial services landscape
  • We have just completed the demoing schedule.  See the latest agenda to see who will be presenting when.

Diverse fintech solutions

Specialised focus. Specialised knowledge

Our expanded event will feature 6 tracks, making sure that you can see what you need to, no matter what your focus is. The tracks are:

New Tech
Digital Lending

Something for everyone

Whether you’re a banker, venture capitalist, entrepreneur or member of the press, Finovate has the insight and ideas you need to stay current.

Fintech innovation continues at a blistering pace. You can’t afford to be left behind.

FinovateEurope will help you stay informed and find the next big advantage – before your competition does.

Who will you learn from?

The 120+ speakers will include:

  • Ruth Wanderhofer, Global Head of Regulatory & Market Strategy at Citi
  • Claire Calmejane, Director of Innovation at Lloyds Banking Group
  • Ilyas Khan, CEO & Founder at Cambridge Quantum Computing

Networking measured in quality and quantity

FinovateEurope attracts 1400+ senior financial and banking executives, venture capitalists, press, industry analysts, bloggers, regulators, and entrepreneurs from across the UK and EU.  You’ll meet the decision-makers behind the biggest financial brands in the world through our mobile app, hot-topic round tables, and high-impact networking sessions.

Open Innovation – disrupt your market by partnering

NEW for 2018! This interactive 2-day workshop is designed for professionals looking to drive disruptive innovation.

  • Understand where the disruptive ideas and partners are in the innovation ecosystem
  • Learn how to evaluate & leverage your external partnerships
  • Walk away with practical open innovation tools and a plan for your next steps


If you’re interested in participating in FinovateEurope as a panelist or speaker, please drop us a line. Many speaking slots are tied to sponsorships, but we’re always happy to hear from motivated (and motivating) speakers who have a great message to share. For more information on speaking opportunities, please reach out to Katie Gwyn-Williams


Cryptocurrency/blockchain AI  Investing/wealth management Lending Payments User experience Core banking Identity/KYC Big data. Learn All About Financial Technology

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Beat Stress and Regain Control of Your Life

Life is busy: it can feel like you are continually spinning plates just to stay afloat, and it is this plate spinning act that can make it seem like life is out of control. So how can you reduce the stress and fatigue that you are experiencing? Here are 4 tips to help you regain control of your life and stop stresses in their tracks.

  1. Review your finances

Financial worries are the main cause of stress, but when was the last time that you reviewed your household budget? Create a spreadsheet that details your income and your expenditure. Chances are high that you will be surprised at where you are leaking money. Take lunch prepared at home to work and reduce the number of takeout coffees that you buy each week to reduce your spending. Review your utility bills and seek a better rate from other providers – be active in saving money. If you currently have tax issues from unfiled returns, rather than stick your head in the sand, take advice and seek a solution. A company such as can take the headache from you, and help resolve the stress that you are in.

  1. Say no

You do not have to keep saying yes to every demand that is made on your time. You do not have to accept every invitation, and that means saying no. Friends and family will understand if you decline invitations or requests for your attendance at events. Although initially they may be taken aback by your change in habit, sometimes you just need to say no, and in the long run, they will come to terms with this alteration. Instead, spend time catching up on chores and tasks that need to be completed. Spending time to complete your to-do list will reduce your stress levels, and free you from worry.

  1. Review your diet

In order to perform at your peak, you must fuel your body so that it is able to cope with the demands that you make on it – both physically and mentally. Try to avoid over processed food and make healthy decisions for your food and drink intake. Fresh fruit and vegetables are not only great for your body, but for your mind too. The more colorful your food options, the richer they are in the nutrients that you need to function at optimum performance.

  1. Take up a hobby

While this may feel counter-intuitive for someone that is lacking in time and feeling stressed, taking up a hobby is a great way to take time out. A hobby allows you to focus on something other than the issues that are causing your worries, and the benefit of taking time out is that you can revisit the issues but with a fresh perspective from taking a break. The small details that have caused you stress are reduced, and you can look at the bigger picture. If you are physically able, try and choose a hobby that requires some physical exertion – get the blood pumping, and you will benefit from the release of endorphins that are the body’s natural feel-good hormones.

To gain control of your life, you must be active in seeking solutions. Be kind to yourself and make your wellbeing a priority. Whether you have financial worries or feel that you don’t have time to be the best version of you, by being proactive you can regain control.

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Find Out if You Can Actually Visit India During the Monsoon Season!

India is a country with a wide range of attractions. Therefore, it is a popular tourist destination. People from near and far visit this country so as to sample its culture, cuisine as well as natural flora and fauna. The only deterrent to visiting this country is the weather. From June to September, the country experiences a monsoon. This season is characterized by heavy rain and high temperatures. As such, many people do not like to visit the country during this time. However, upon a closer look, it is actually a good time to visit the country. Here are some of the attractions you can visit during this time.

Places to visit during the monsoon

The hills of India and countryside locations are some of the places you can visit during this season. They have features such as mountains you can hike. There are also some waterfalls which you can go and explore. Some examples of these areas include Thekkady, Wayanad and Munnar. In Goa area, you can visit the Dudhsagar Waterfall.

During the monsoon season, the cities become very hot. They also flood up due to unsatisfactory drainage networks. As such, tourists stream out and visit the countryside. A location to see is Ooty in Tamil Nadu. You can also tour the tea plantations in Munnar. This location is situated in the Western Ghats. There is tropical mountain climate there, which is cooler and less rainy during this season.

Locations which do not have any rain during the monsoon

There are areas in India which do not get any rain at all during this season. They include:

1. Ladakh

2. Thar Desert


Ladakh is located in the mountains. This Indian state gives tourists good views. There are also some spots where you can go hiking. In this state, the precipitation only comes in form of snow. As such, the locals refer to it as a “Cold Desert”.

Thar Desert

This is another location which does not have any rain during the monsoon season. It is situated in the state of Rajasthan. Thus, you can visit the place and get an eyeful of village landscapes. While there, you can stay in some heritage hotels and boutique establishments. They do not charge high prices for accommodation during the monsoon. Hence, it is the BEST TIME TO VISIT INDIA.

Items that you should pack on your trip to India

For you to experience this country in a satisfactory way, you should pack specific items. You should travel with a PacSafe. This is a mesh bag which can hold your backpacks and protect them from burglars. The PacSafe can be attached to a permanent structure such as a heat pipe or a bed. A power surge protector is another item which you should pack when visiting India. It protects your electronics from getting fried by surges. You should also carry a combination lock when visiting India. It is important for locking your door or securing your belongings as you travel.


There are areas in India which do not experience heavy showers in the monsoon. You can visit them and have a satisfying experience.

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Travelling To America And What You Need To Know

There are a whopping 50 states for you to visit in America, all offering landscapes and experiences bespoke to themselves. In general, travelling to America might not seem like it would be massively complex, however there are many untold situations that you should be aware of. While everyone knows that you’ll need an ESTA visa USA in order to enter the country, did you also know that you should invest in a particular type of lock for your luggage? You’d be surprised at what you need to be aware of, so we’re here to provide you with the ultimate guide. Here’s what you need to know.

You’ll Need To Register For Your ESTA Visa

Visiting America without an ESTA is, quite plainly, impossible. In order to be granted access into the country, you’ll need to fill out an ESTA form online, which is often a fast and simple process. It’s always recommended that you apply for your ESTA several months in advance of your trip, as you never know what complications may occur with your application, so you’ll want to ensure that you have your ESTA when you’re due to depart. The official minimum time period to apply for an ESTA is 72 hours, and once you have one, it will remain valid for 2 years, allowing you to visit many more states!

Use TSA Locks On Your Luggage

American airports are very strict about what they’ll accept coming into the country, with extensive security systems in place to ensure that there are no threats entering the country. Alongside scanning your body upon arrival, TSA are often subject to inspect your luggage after it’s been checked in. When this occurs, you’ll be presented with a note in your luggage once it’s been returned to alert you, however you can often tell prior to finding it as your lock would have been busted open, leaving your luggage vulnerable throughout the rest of your trip. To protect your belongings, invest in a TSA lock, as this can be opened with a master key and will allow TSA to inspect luggage without needing to bust the lock.

Tipping Is Almost Mandatory

Every country has its individual etiquette, however one of America’s most prominent is the fact that tipping is almost expected when utilising a service. While you certainly won’t face any law-related repercussions for not tipping, you might receive a lot of prejudice from others. In America, tipping is expected in 15-20% of restaurants, and if you stay ignorant to this rule, you certainly won’t get pally with the locals. Unlike other countries, tips aren’t just expected in restaurants – additionally, tipping is common in bars, for housekeepers and even for taxi drivers (as if the price wasn’t high enough!). Always double check your bills though, as often a gratuity charge is already included.

You Often Pay More Than You Think

The price you see isn’t always the price that you pay in America. Whereas other countries will always include additional costs in the final price, America is known to include these separately, and usually the customer is only aware once their cash is in the till’s tray. When shopping in America, always remember that the price tags will not include sales tax. This does vary between the states, however the tax charge typically lies between 4 to 6 per cent. Often, it’ s better to imagine that every item will have a sales tax charge of 10%, as even though this is usually an exaggeration, it will allow you to decipher whether or not you can really afford the item.

Travelling to America is always exciting, whether you plan on viewing the Statue of Liberty in person, or whether you want to unleash your inner child and spend some time at the famous Disney World resort in Florida. Regardless of where you’re travelling to, we hope these top tips will guarantee you a safe and successful trip!


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What Goes On Before, During and After Installing Solar Panels? Find Out Here!

Electricity is one of the most important resources that we need on a daily basis. We use electrical power to run our appliances, electronics, and even our cars. Today, there are two main sources of electricity. These are the main grid and solar panels. Grid electricity is provided by local utility companies. On the other hand, solar electricity is provided through a solar panels system. Some people are able to save money on electricity bills by running a hybrid power system that uses both grid and solar panel electricity. Read on to discover how they accomplish this.

How to get solar electricity in your premises

You can get a solar power system in your home or business premises in two ways. You can install it yourself or hire a professional solar panel company to do it for you. The latter option provides better results. This is because they perform a number of activities before, during, and after installation. These activities include:

  • Performing a solar feasibility study on your property
  • Designing a custom solar power system
  • Estimating the cost of installation and service
  • Creating a financial structure that ensures maximum Return On Investment (ROI) after installation
  • Constructing and engineering the system
  • Providing project management services
  • Installing the solar panel system
  • Application of appropriate technology and safety equipment during installation
  • Facilitating the provision of a Solar Renewable Energy Credit Certificate
  • Providing assistance with the processing of rebates and credits
  • Servicing and maintenance after-installation

Incentives provided for solar panel installation

Government and state authorities normally provide incentives that encourage people to install solar panel systems. Some examples of these incentives are the Solar rebates, Net Metering, and the Feed-in Tariff. These incentives normally allow the owners of solar panel systems to sell their excess power to the utility companies that provide them with grid electricity. Upon sale, the owners can get some cash or credit back.

A professional Solar company in New Jersey can help by advising their clients about these incentives and facilitating application for them. For example, they can help with the application for Solar Renewable Energy Credits (SRECs). By using this incentive, you can save 30% on federal tax credit.

Custom designing your solar panel power system

Every home or office has its own energy needs. Therefore, a one-size fits all solar panel system is not applicable. Therefore, installation companies normally perform an audit to find out how much electrical power you use on a daily or monthly basis. Having found out, they present the results to you. By using this information, you can decide if you want a purely solar or a hybrid electricity system. When you pick your preference, they proceed to design a solar panel system for you.


The sun is an infinite source of energy. This is both heat and light. The light can be harnessed and used as electricity. This is done using solar panels. There are companies that specialize in providing this service. Their assessment and installation processes are indicated above.

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