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Office Cleaning in Glasgow

There are some companies offering office cleaning in Glasgow and promoting that they are able to deliver a premium service at a vastly reduced price. The price being quoted is for A�8 per hour.

We explore the belief that companies can provide an office cleaning service for A�8 per hour and whether the quality will be able to stand the test of time.

The City of Glasgow

Glasgow is the largest city in Scotland ahead of the Scottish capital of Edinburgh. Glasgow is the centre point for thousands of offices across the city and where billions of pounds are generated every year. 2.3 million people live in Glasgow and the surrounding area and many will travel into Glasgow to work.

Glasgow was once the industrial heartland with the river Clyde shipbuilding providing a large percentage of the employment opportunities. However times have changed in Glasgow and people mainly operate from an office, with Glasgow being a popular location for call centres and administration offices.

Commercial Cleaning in Glasgow

The increase in people using offices has resulted in a rise in the supplementary services which are required for day to day business to operate smoothly. Things like office cleaning are essential for businesses to maintain their health and safety standards.

However many companies prefer commercial cleaning which focusses on price as opposed to quality. This can be a false economy because the service is undoubtedly of a lesser standard than companies charging a fraction more.

The reasons office cleaning cannot cost A�8 per hour are because:

1. The basic rate of pay in the UK for an adult is A�6.08. This is already more than three-quarters of the cost.

2. Companies hiring staff must pay an additional 11% to the Government to cover the employer’s national insurance contribution. That’s another 60pence per hour.

3. The cleaning supplies will be purchased in bulk however they will still cost hundreds of pounds and will require replenishing regularly.

4. A company has other overheads other than just the cleaner’s costs. For instance, the accounts team, the directors and receptionists all have to be paid too.

5. The company will have to file their accounts every year at companies house and an accountant will charge usually at least A�400 a year to complete this task.

6. The cost of travel must be additional too, whereas other company’s will include this within the price.

Cheap Office Cleaning

Cheap office cleaning is often a false economy and despite the current economic climate, companies should be considering if they really are getting value for money.

Our experience of cheap office cleaning services is that:

– Are you really getting the time you paid for? If you receive reports check that you’re getting your full contracted hours. Most companies offering the cheapest office cleaning may be contracted for 30 hours a week but are only providing 15 hours, whilst still charging for 30.

– Is the quality of the products being used of a high …

Why Incorporate in Luxembourg?

What are the factors contributing to the success of the financial service and banking sector?

The success of Luxembourg can be lent to a combination of factors. The country has built a reserve of expertise and its diminutive size gives it an outward-looking mentality, which is complimented by the multilingual, multicultural workforce. It operates against the backdrop of a stable political and social environment, supported by firm but sensitively-applied regulation. Laws are drawn up in consultation with the industry, with all parties eager to offer solid investor protection and robust action against money laundering. Financial firms are therefore able to benefit from a range of flexible and sophisticated investment vehicles.

Luxembourg is a popular centre for corporate finance

Luxembourg is also a popular centre for corporate finance, with many multinational groups establishing their head offices in the country. The stock exchange also has an integral role, specialising in the listing of bonds, with more than 3,500 issuers from over 100 countries represented.

In their quest for effective leadership and management, many global companies have established their corporate or regional headquarters in Luxembourg, in industries such as steel, sattelites, and cargo airlines among many other.

All of these successful companies have all decided to register a company in Luxembourg.

What are the advantages of Company formation in Luxembourg?

A rewarding tax environment and a business friendly legal and regulatory framework have made Luxembourg a leading jurisdiction for corporate holdings, known for the comprehensive participation exemption regulatory structure.

The high standard of living provides an excellent foundation for top executives and their families and helps attract international staff.

Through varied air and high-speed train connections, management and sales staff can rapidly access the European economic centers of activity.

The highly skilled, multi-lingual workforce assures a valuable resource for corporate functions, including finance and accounting, sales and marketing, supply chain management and logistics, and for research and development and IP management.

In Luxembourg:

Individuals benefit from an 80% tax exemption on income generated from the acquisition and development of intellectual property (IP), leading to an effective tax rate of just over 5%

You benefit from other exemptions from capital gains and wealth taxes.

R&D (research and development) expenditure can be deducted if no commercial results are forthcoming.

Innovation is backed by the Public Research Centers and the University, as well as government-backed business-incubators and R&D investment incentives.

Another advantage of Luxembourg is the simple and easy importation process in the country. Importing goods into the EU often triggers import declaration, pre-financing of value added tax (VAT) and other such duties in the European country of importation. Thanks to an easy access to Government and custom authorities, these procedures can be made straightforward in Luxembourg. While most European countries ask for immediate payment of the import VAT, in Luxembourg such payment is shifted to the VAT return automatically. Therefore no cost is generated by the pre-financing of import VAT in Luxembourg, which can be helpful, particularly in start-up companies. Becasue …

5 Simple Tips to Keep Your Office Clean

Whether you work from home or in an office, you surely spend a lot of time in front of your desk, which means you touch and grab things with your hands (like phones, keyboards, etc). By touching them, two things happen: if your hands are not clean, they’ll get those things dirty; and if those things are dirty, but your hands are clean, your hands will get dirty. We could say that when two things make contact, the dirtiest one gets the other one dirty. A good reason to keep your workplace clean. But how?

The most important tip any office cleaning guru can give you is to be aware of the consequences of not having a clean office. To put it simply, if we don’t take care of cleaning our work environment, we’ll become ill.

So, it goes beyond de-cluttering, removing stacks of papers, and organizing bills. Let’s take it step by step:

1.It’s all about habits. It’s so easy to get lazy and let things grow untidy. If needed, put a note on your desk or in your digital calendar to remind yourself that you must take 15 minutes to clean up your desk and put everything away. As time goes by, you’ll get used to cleaning your work environment without even thinking about it while you do it.

2.Try not to eat at your desk. I know this is a hard-to-follow rule. But in order to understand why eating at your desk is so unhealthy, think of it the other way around: would you take your desk and your PC and work in the kitchen? If this example doesn’t hit home, I suggest you turn over your keyboard and shake it, to see all the dirt and food remains that fall onto your desk like beautiful snowflakes.

3.Clean your desk at least once a week. After you tidy up your papers and stuff, this is the place that needs to be cleaned first. Use a soft cloth and any spray cleaner to wipe down your computer, monitor, keyboard, speakers, telephone, lamp, pencil holders, paper stackers, and anything else. Do not spray your cleaner directly onto the objects; simply spray your cloth and wipe them clean. Make sure your computer and monitor are turned off before cleaning.

4.Waste basket. We tend to think that throwing garbage in the trash can is enough to get rid of it. But our minds are playing a trick on us, because the trash can is inside our environment. It will become a place where bacteria grow unless we clean it regularly. For this purpose, you can use a cleaning spray too, but make sure you use a different wipe than the one you used for your desk.

5.The floor. If you have carpet, vacuum regularly. Tiled and other types of hard floor should be swept and mopped at least once a week. If you have a plastic chair roller over your carpet, be sure …

Rural Finance and Rural Credit

In a densely populated, metropolitan landscape it can be easy to forget that the majority of India is rural. Finance companies have recognised the distinctive needs of pastoral India and designed schemes exclusively for this sector.

Rural finance is a line of credit specifically intended for the requirements of the agricultural industry. Ranging from mortgage assistance to land development and farming equipment, these credit plans are a significant aspect of rural and semi-urban support. In a country like India, where agriculture continues to play a central role, farming finance is a service closely related to the continued progress of the country.

A number of banks and finance companies have begun to specialise in offering credit to farmers. Appreciated as a key impetus in poverty reduction, this type of support can greatly assist regional development and growth. The creation of a business model that takes the unique needs of non-urban India into account, along with the unique challenges, is the key to success for companies working within this field.

The customer seeking rural credit is often at a lower position on the economic scale. Agricultural assistance must concentrate more on future earning power than the borrower’s current position. As with any loan, the lender should reasonably demonstrate a capacity to repay the amount borrowed, but in the case of credit for farmers, providers are often dealing with lower income groups. Understanding this customer is essential.

Finance in this sector has the added benefit of supporting further work in regional areas. As banks and financial services continue to extend their services into rural India they are generating employment in the vicinity. This employment ensures that customers can relate to the local face of the institution. It also represents a significant basis for skill development.

The conditions surrounding rural business are never constant. Ruined crops, bad monsoon seasons and natural disasters are just some of the ever present, largely uncontrollable factors. Those offering services in this area must commit to supporting their customers through both turbulent and growth patch of time. If this can be achieved, rural finance has a huge market to work in.…

The Importance of Using a Good Financial Advisor

More often than not, investment recommendations are imparted either by a financial advisor or a stock broker. Financial advisors are regarded as tied, multi-tied, or independent. As the categorisations suggest, tied advisors are limited to recommending financial products marketed by the organisation they represent. Multi-tied agents serve a similar function, except they represent a number of different companies. This is now and again referred to as the panel system.

In the UK there has been vigorous debate in the news media regarding the effectiveness of financial advisors. This is especially true in situations where there is perceived bias toward investment products that offer the advisor a high commission. Financial advisors should be accountable to their clients whether tied or independent. There are some in the UK that feel impartial financial advice can only be obtained from an independent financial advisor.

Investments, savings, and retirement planning are important to most people as evidenced by the 176% rise in demand for independent financial advice between December 2010 and January 2011. In fact, with new rules coming into effect concerning employee pension schemes and changes to the retirement age, the importance of using a good advisor when planning for the future is becoming increasingly clear to everyone in the United Kingdom.

There are so many distinct categories of financial instruments today available through both small and large investment firms as well as banks that it is simply out of the question for any single individual to fully understand everything that is available for them, and more importantly, what is best for them. Each individual has distinct financial needs and goals. A good financial advisor will endeavor to reduce the financial risks for their clients by gaining an understanding of each client’s individual situation and lifestyle goals.

In order to perform their duties your financial advisor should be aware of all of your assets, your current lifestyle, and your retirement goals. Your financial plan should consist of a diversified portfolio of diverse instruments to meet your goals. Depending on your age, standard of living, needs and retirement objectives, there are basic formulas for making sure that you are not overexposed in terms of holding too much stock, or too many bonds, or too much ready cash not invested.

There are numerous methods to conduct research on potential financial advisors. The internet is certainly an excellent resource when investigating potential financial advisors. In addition to using the internet you should purchase some of the investment related magazines as well as asking friends or co-workers who the use. Most important is that you have at least a general idea of what your financial goals are and interview/evaluate the potential advisor to make sure they are committed and able to assist you. You want to work with someone who has your financial well-being foremost in their mind, not someone who is focused on hawking you high cost financial products so they can generate a commission.…

While your staff might enjoy perks like a new coffee maker, free doughnuts or employee appreciation days, there are even more fundamental ways to improve the quality of life at your workplace. Keeping your workers informed about best practices for safety, job procedures and personal finance will make your company more productive and improve employee morale.

1. Safety Training

There’s more to workplace safety than the obligatory fire drills. Protect your employees by ensuring that you have a legally compliant, comprehensive safety plan in place.

Part of your plan must include a regular FMCSA safety audit Dallas, so that everyone is up-to-speed on all of the latest industry, municipal and OSHA requirements. Accident prevention and quality control training help ensure a workforce that will stay safe and uphold the highest standards of your industry.

2. Continuing Education

In many industries, there are continuing education standards that must be met in order to maintain professional certifications. For example, CPAs in most states must complete ongoing training requirements to keep their licenses.

As a business owner, you can facilitate this process by familiarizing yourself with your employees’ professional training needs. The Bureau of Labor Statistics furnishes information on continuing education requirements for various professions. If possible, you might bring training opportunities in-house or provide tuition reimbursement for mandatory training.

3. Personal Financial Seminars

A basic grasp of personal finance is essential for all wage earners, yet this type of training is often lacking in traditional schooling. Understanding investments, retirement planning and debt consolidation can make an enormous difference in your employees’ quality of life.

One of the most significant ways you can help your workforce is by offering financial literacy training. There are many non-profit and government resources available, including the National Endowment for Financial Education and the Consumer Financial Protection Bureau.

Whether it’s financial literacy, professional education or safety training, your employees will benefit from your investment in their future. In turn, your staff will likely reward you with years of loyal service.…

Finding Condos And Lofts And More

Condos and Lofts are a very interesting idea when one thinks of getting a property. Some will want a large house in the suburbs. If raising a family then this normally is the usual idea, although everyone is different and therefore some might just prefer to have their children raised in the city. Whatever the case it is always down to the people who are going to be purchasing the place itself.

For the most part it is quite a popular idea to be living in a loft apartment. There are those with creative or artistic temperaments who might decide that this kind of building is perfect for them. Indeed, some might even want to rent out a place in order to use it as a studio for themselves as well. All of the finances need to be organized, however, if this is going to be the case and people need to be fiscally responsible with it.

Sometimes it is usually a much more cost effective solution for people to go out and rent a place themselves. A lot of the time families who have two incomes are going to be happy to know that they’ve got a lot of choice with regards to this. Therefore living in a rented place usually isn’t a bad idea as long as one knows just how to manage the money that is coming in.

People know that they have a lot of choices with regard to property. On the Internet it is possible to search through the different catalogs that websites will show, where there will be long listings of different types of property which are available in the different areas of a city. One can scroll down through all of them and see the different options that they’ve got in this regard.

Nowadays many people will want to get an apartment, as well as condos and lofts, in a good place so that they can avail of this source of income. Of course it is vital that one makes sure that the finances are worked out so that people actually gain a profit, whilst still not scaring off potential tenants.

People naturally need to ensure themselves that they organize everything properly if they’re making these kinds of arrangements. Land lords also have to deal with a numerous amount of different things, including declaring their income taxes.

Renting is always a good idea for those who are uncertain of where they want to live. In certain places there will be very good rent laws that have been put in place so one normally doesn’t have to worry about being evicted as long as the rent is paid.

When it comes down to purchasing things like condos and lofts and other pieces of property one needs to be very careful. This is going to be a huge investment when it comes to the financial side of things so one needs to ensure that they’re going to follow through …

How to Choose the Right Cleaning Company For Your Home or Office

If you are a busy owner or manager of the company, school principal or home owner at some point you will realize that you need to outsource some of the cleaning tasks to the outside cleaning company. You will find a lot of cleaning companies around but it is important to choose the right one from the first time.

Let’s say you are looking for a cleaning company that will come in to clean your office five days per week. In this case, first thing you need to do is invite representatives of the cleaning companies to your office, show them the building and explain them what you want. Then set a time to meet with them again so you can get quotes, cleaning specifications and ask them the right questions. Many business owners and managers look and base their decisions on numbers only. But choosing the lowest bidder very often means that you are choosing the service of the lowest quality. So in order to avoid your future devastating experience, make sure that you not only look at the numbers, but ask the right questions.

First of all ask representatives of the cleaning companies how they got their numbers. Are their prices based on the amount of time the cleaners will spend in your building? Remember that nationwide custodians are able to clean from 2500 to 3000 square feet per hour.

The next question you should ask is whether you need to sign a contract and what are the procedures for cancelling it in case you are not satisfied with the cleaning services you receive. In the cleaning industry it is common that either party may terminate the contract by providing 30 days prior written notice to the other party. But some companies get tricky. Make sure that you have 30 days cancellation clause in you contract.

Always ask how long the cleaning company has been in business and how much experience they have in the cleaning field. Many cleaning companies will tell you that they are in business since Mayflower reached the shore of Plymouth, but the best way to check this is to ask them for references from their customers, call their customers and find out the real truth.

Also you should always think about what kind of services you will need in the future. You always want to make sure that the cleaning company you choose can provide full range of cleaning services because you don’t want to hire company A for carpet cleaning, company B for waxing VCT floor and company C for window cleaning in the future. Another very important question is how does the cleaning company handle the complaints? And this is where a lot of cleaning companies fail. Make sure that they will fix any issues related to the cleaning services in 24 hours and get their promise to do so in writing.

The last but definitely not least is …

Canada’s Insurance Brokers Association – What Are the Benefits of Joining?

Belonging to Canada’s Insurance Brokers Association provides many benefits. But do these outweigh the time and cost of belonging to this organization? Because we are dealing with a business decision we must make our arguments for, or against, based on the business benefits it does, or does not provide. This short article will look into some of the benefits of belonging to this august organization, focusing especially on the education and training available to members.

We will divide this article in two main sections. Our first section will focus on the education programs available, while our second will highlight the improved service an Insurance Brokers Association member can offer. We hope this article can help you make a decision that will benefit you and your professional advancement in the insurance industry.

One of the satisfactions of being part of any industry as a professional is the opportunity of growth. True professionals never stop learning, and are constantly trying to better themselves through training and education. If you take on this challenge of continually improving yourself you can expect this constant learning and improving of your skills will allow you to take on higher levels of responsibility. What these higher levels of responsibility are will depend on your goals, ambitions and personal qualities, however you will not be short of options.

In order to provide their members with the best service possible the Insurance Brokers Association of Canada has created a Career Path that will allow you a lifetime of learning and training. This will make your career more interesting and vibrant, as well as making you a better professional.

There are nine main programs currently available to members. We will highlight some of them, although you are encouraged to do further research and find more information on all nine programs. The first step for a budding insurance broker is to carry out a Best Practices program. This program is designed to enhance the performance of members by comparing the broker operations of the 150 top performing companies in the U. S and Canada. This helps brokers identify the type of strategies that work in the insurance industry.

A great second step is to earn your CCIB, Canadian Certified Insurance Broker, designation. This qualification proves to customers you are prepared to offer a superior standard of excellence. These qualification do not only make you a better broker but also a more successful one financially speaking as customers prefer brokers that inspire confidence with an acclaimed qualification.

IRM, Introduction to Risk Management is another great program if you are interested in improving your professional skills. This program will provide you with a basic understanding of what risk management is all about, and how risk managers do their job. This is important for insurance brokers as their whole industry relies on the accurate management of risk.

If you take on one or all of the programs available through the Canadian Insurance Brokers …