Insurance brokerage is one of the activities regulated by the Financial Conduct Authority (FCA). Hence, as a broker, you need to comply with the FCA’s principles, which include the need to treat customers fairly and to communicate with customers in a clear and transparent manner, and with the FCA’s detailed rules related to insurance.
According to insurance compliance experts from ScottRobert.co.uk, the following are examples of compliance issues you need to be aware:
• The FCA’s threshold conditions
• Client initial disclosure requirements
• Giving suitable advice (if you offer an advised service) and demonstrating suitability via your client files
• Handling complaints when they arise
• Submitting regulatory returns to the FCA
• Treating customers fairly at all times
• Maintaining compliance procedures as required
Insurance had been thought of as a lower risk regulatory activity, but recent years have seen much publicity regarding issues such as mis-sold payment protection insurance and sales of insurance add-ons. Much more detail on the FCA’s concerns regarding these products can be found on their website.
Like other types of regulated firm, many insurance brokers choose to engage the services of an external compliance consultant, who can provide practical assistance in meeting compliance obligations. This is especially true of smaller firms, who may lack the time, resources or confidence to manage their compliance operations on their own.
Air conditioning is a luxury in some places, but it is a necessity where the climate is unbearably hot. In such places, both houses and offices require cooling mechanisms to make the place habitable. When you require cooling for an entire building, or at least the floor where your offices are, it does not make sense to get air conditioners installed in every room. Not only would this be costly to install, but the maintenance would turn out to be expensive as well. The ideal cooling solution for large commercial buildings is central air conditioning.
Central air conditioning systems for commercial buildings, apexaircon.com.au explains,are especially convenient. One setup can cool the whole building. Advanced features, like individual controls for different areas and remote access via computers, among others, make central air conditioning a convenient and useful option for businesses.
More recent air conditioning units offer the following features:
– Separate temperature controls for different cooling areas -As people have different thresholds for cold, separate temperature controls (zone management) allow you to keep the temperature at a level that’s comfortable for most of the people in a room. Some units even allow you to program these zones.
– Cost-effective – By turning off the cooling mechanism in areas not being used, you can reduce power consumption.
– Automatic backup – Some air conditioning units are designed to have automatic backup systems, to ensure uninterrupted cooling. In commercial settings, this is a very useful option, since there are large numbers of people working in the building at any given moment.
– Timer function -This useful feature allows you to pre-set the times when you want the air conditioning unit to automatically start or stop. Program the unit to start before your employees get to the work place, and stop at the end of the working day.
Having total control over different areas in a large workplace is important if you are concerned about power consumption. Smart management of business resources will reduce your overheads, and help you make profits.
Designers know how advantageous steel is for construction purposes. Steel’s versatility gives architects more freedom to make their ambitious visions come to life. That’s why when looking for recommendation from professionals; it is highly likely you will come across steel construction.
The experts at WasatchSteel.com offer insights as to why steel continues to be the material of choice in the construction industry.
Steel is one of, if not the most sustainable materials used in construction. Its durability and strength makes it the only choice for everything—shopping centers, commercial establishments, and landmark structures around the world. Steel-framed structures do not decay or age as quickly as some other construction materials. Steel also has high flexibility and adaptability, meaning you can easily carry out future extensions or changes without shelling out too much money.
Steel is endlessly recyclable without losing its quality. When you demolish a steel-framed building, you can still reuse its components by returning them to the steelmaking process to create brand new materials. In fact, recycled steel makes up half of new steel production.
The accuracy and predictability of steel materials speed up the whole construction process and allow follow-on trades to start working sooner. Shorter construction periods also mean reduced disruption to nearby roads and buildings. This results to earlier return on investment, lower interest charges, and savings in site preliminaries.
Steel has become more affordable than it was 15 years ago. Moreover, with the big productivity advances throughout the steel supply chain, customers have been experiencing cost savings. This competitive pricing gives you great value for your money and more options as to which steelwork contractor to work with.
Steel is a great material, and is the logical choice, especially for big commercial buildings. Whatever the material is, you must look for a reliable and experienced builder to make sure that the results will be wonderful.
A garden gazebo can be a good additional feature to your home. Apart making your garden look more breathtaking, it gives enough shelter for you and your family to relax. If you think there’s still a missing piece to your lawn, custom gazebos can fill up those empty spaces. So why not enjoy a great view with a little style?
Before you start looking for suppliers or service providers, here are some tips you could use to make sure you’re on the right track:
Are gazebos a perfect addition for your garden?
Renowned shed company WrightSheds.com says custom gazebos can make your garden look much better, but it all comes down to how much space you have. Keep in mind that these should be at least 2m wide. You can get them a little smaller, but make sure they look proportion to their height.
If you don’t have much space, you can always be creative and resourceful. The good thing about these gazebos is you can actually make your garden look more spacious. You just need to find the right spot and design. For limited spaces, you can have a customized circular gazebo in the middle of the garden.
Try building an extension to connect your gazebo from another structure. Just make sure there is a strong foundation to provide more support.
What type of gazebo should you choose?
There are many different styles you can choose from—from classic gazebos, pagoda, rotundas, pergola, pavilion, and many more. Some modern designs also offer great features like customized copper roofs, shutter curtains, and built-in seating with cushions. With so many options, you might find it difficult to get the best one. Just choose something that would fit your style and personality. If you have other things in mind, you can always look for custom services.
Before hiring a professional builder for your next garden project, it is best to search for more options. Always look for a reputable service provider. The easiest way to do this is to search online. Browse through their website and check out some of their previous works. This will help you gauge the quality of their services.
Fatigue and frustrations have negative effects on driving. It can cause serious impairments that you are not aware of, leading to more irritability and stress. Truck drivers commonly experience this, as they have to deal with bad weather conditions, tight deadlines, and intense road traffic.
Frustrations on the road can have negative effects on your body and the way it functions. Read on to learn how you can manage your emotions to stay safe while on the road.
Regular Physical Activity
Regular exercise can reduce the negative impact of stress on your body. It also increases the production of endorphins, the brain’s happy or ‘feel good’ neurotransmitters. This improves your mood, giving you a better outlook on managing your work and daily frustrations.
Most drivers find themselves extra frustrated when out on the road because of the traffic. It is best to organize your trip first so you can leave earlier and prepare for it. According to CDT School and the Department of Motor Vehicles, leaving early can help you feel relaxed, as you can avoid rush hour traffic and no longer have to worry about getting to your destination in time.
Your diet choices can have positive and negative effects on your stress levels. Some food choices can provide comfort, while others can aggravate stress. Design a meal plan for the day that includes fruits, vegetables, and fish. Stock up on good food at a local grocery store before driving. If you have easy access to healthy food, you are less likely to stop for greasy fast food meals.
Relaxation exercises like progressive and deep muscle relaxation help reduce the tension in your body. These can help with releasing the stress you have built up inside even while you sit in the truck. Moreover, these exercises can help you feel physically and emotionally relaxed.
If you suddenly find yourself drifting off or thinking too much about something, try to steer clear of those thoughts until you get to your next pit stop. Use your energy to focus on driving and give yourself sometime to sort out your problem when you don’t have to drive.
Singapore has become a global commercial hub and business hotspot. This is the main reason why many foreign businesses and companies choose to establish their Asian headquarters in this city-state. There are many formalities that must be fulfilled, when a foreign business wishes to setup a branch in Singapore.
If you wish to find out more about registration for companies in Singapore, it is important to think issues like the following through very carefully:
– What kind of setup do you want to establish in Singapore? There are three common setups – branch offices, subsidiary companies, or representative offices. The kind of presence you wish to set up will depend on the kind of business you have and the resources available.
– Make a projection of the costs of setting up a presence in Singapore, and whether you have the funds to do so. However, even if the endeavour makes a significant dent in your accounts, you can make it up quite easily.
– Bear in mind that the type of setup you wish to establish in Singapore will affect the registration procedure. Registration for business must be done by a professional Singaporean firm. Find reputed firms in the city to help you through the procedure if you are unsure about how to go about it.
– Find out what documents are necessary beforehand. Keep everything required of you ready, to ensure all processes go smoothly and quickly.
Reasons to Set Up a Presence in Singapore
Singapore offers businesses an attractive tax scheme and double tax treaties. There are no restrictions on the earning and capital repatriation on foreign businesses either. In terms of geography, Singapore is an excellent place to do business in because it is located at the crossroads of major shipping and trade routes. The immigration policies are easy and smart, and this is important, if you are bringing in your own people to work in your foreign business office.
Setting up an office in Singapore is definitely a profitable decision for most businesses. Get rid of any hesitations and move forward with business.
If you are opening a new shop in the neighbourhood, start by consulting shopfitters to help you conceptualise the look of your business. These professionals can suggest the most suitable design and install the features and fittings you need inside the store. These experts work on the different materials you need for your commercial space, such as counters, showcases, display units, architectural joinery, designer doors and floor coverings. All of these will highly contribute in making your shop attractive to prospective buyers.
ADP Store Fixtures offers a brief discussion on how a shopfitter can help you make a qualitative adjustment for your business:
Give your shop an identity of its own
Shopfitters can help you create a brand for your business through different design techniques. Be it the storefront or the office, reliable shopfitters can do wonders to make you stand a cut above your competition.
Make the shop look unified
A shopfitter can make the entire store look unified and achieve a smooth flow between different areas in the shop, making it easier for the customers to navigate through and look for the items they want. Indirectly, this would help increase sales.
Revamp your store
Iif you already own a store and would like to give it a new look, shopfitters can help you revamp it to make it more efficient. This will help you keep pace with the competition and also make your store more identifiable in the neighborhood.
Finally, professional shopfitters will help you be better prepared for the real expenditures, as they can design your shop within your budget. Moreover, they can also help you cut down on the expenses without compromising on the quality of adjustments being made within the store.
So, if you need to start a new store or revamp an existing one, be sure to call in an expert shopfitter. He can maximise the available space in your shop and fill it in with displays and merchandising and stocking systems needed to make the business profitable.
“There are no uninteresting things, only uninterested people.” ― G.K. Chesterton
Some say Singapore is plain and boring, as there is not anything much to do. It’s a small city-state, after all. You are more likely to spend time hanging out in the malls, drinking coffee, eating scrumptious meals, and enjoying the cool environment. The country is famous as a shopping paradise, so you can expect as much in terms of entertainment.
But, staying in Singapore can be an adventurous experience if you know where to look. When visiting this small country, it’s advisable to plan your outdoor adventure that packs a punch. Apart from shopping, dining, and the movies, there are other fun activities you can try.
Gear up for rock climbing
Experience the thrill of rock climbing without any danger, though it may not be as easy as you think. To uncover the best-kept secrets of Singapore, you will need to embrace your fears, search the famous peaks, and climb a cliff with nothing but your bare hands. The country is home to some of the best rock climbing regions all over the world, so the activity is worth a try. After all, there’s nothing like the achievement of experience an exhilarating way to see Singapore in an entirely new way.
Explore the tropical life
Got cash and guts? Experiencing the tropical life is one of the best things you can try in a foreign country when you love the wilderness, jungle trekking, fishing, and camping. As the gateway to other countries in Southeast Asia, Singapore would be the perfect country to start your Asian adventure. For example, if you wish to transfer to Malaysia and visit Taman Negara, Malacca or Kuala Lumpur, you don’t need to buy plane tickets. Industry expert BusOnlineTicket.com says that riding a bus is the most popular method of transportation among foreign tourists. It doesn’t just provide comfort and safety, but also affordable price.
Fly like an eagle
So, you think you can fly? If you want to feel secure, but have a one-of-a-kind adventure, then it’s best to try indoor skydiving simulator. You don’t have to jump, worry about the weather, and think of airplanes. When it comes to adrenaline-pumping activities, don’t waste your time not seeing incredible views. Discover picture-perfect nature and have a breathtaking fall.
Are you up to the challenge? These fun yet terrifying experiences will surely make your visit memorable. Plan your Singapore trip now for thrills that will put a smile on your face.
Pool owners should always be on the lookout for ways to make the water feature they have at home safer. This is true especially if there are young kids and pets at home. If this is a sentiment you can relate with, installing a glass pool fence is the best way to go.
Forget about putting a pool cover as these are easier for kids to tamper with. A glass pool fence creates a wall, ensuring tots and pets cannot get in.
Form and Function
Glass pool fences are not merely utilitarian in nature. Aside from providing the necessary safety measure your pool needs, it also provides a little privacy from the peering eyes of your neighbours. Moreover, glass fencing companies in Perth can design products that enhance the overall look of your pool. Proper designs blend with your pool and integrate form and function.
The construction of the glass pool fence can either be frameless, semi-framed, or framed depending on the design chosen. The glass used can be blended with other natural materials such as graphite, stone and marble to make it really stunning. Installing a glass pool fence can really increase the overall value of your property as it offers additional safety for your pool and improves the overall appearance of this section of your home. Glass is considered classier to look at than other materials like steel or wood, so it really is a natural decision to use for this purpose.
• An excellent means of securing your pool and at the same time provide a clear view of the surroundings.
• Enhances the appearance of your property as well as the overall look of your poolside area, offering it a new and elegant appearance.
• Glass is quite durable, will not rust, and is resistant to the elements.
If you want to secure the area around your pool, you cannot go wrong with glass pool fencing. Talk to a professional installer today to get more details on how this can enhance the look and functionality of your pool.
Hormonal imbalance can cause a host of health problems in women. This is the reason why women should strive to attain hormonal balance via the use of natural supplements.
Estrogen is produced in the ovaries and is the hormone responsible for the development of the female reproductive organs. Moreover, it also regulates the menstrual cycle and plays an important role a woman’s sexual drive.
As women get older, the amount of estrogen produced decreases. GreenGoldNutrition.com says this can be a cause of hormonal imbalance, the symptoms of which include mood swings, decreased interest in sex, and the inability to get pregnant. Fortunately for women facing this kind of trouble, there is a way to restore the body’s natural equilibrium: supplements. Before going ahead with this, though, it is important to consult your health care provider. This step is necessary to ensure that there is no contraindication to the treatment.
Hormonal balance can be restored natural supplements, and maintenance of a diet rich in omega-3 and omega-6 fatty acids. These can easily be found in fish, seeds, and nuts. Moreover, it is also important to complement your diet with fresh fruits and vegetables, in order to get the full amount of important minerals and vitamins. It is also recommended to avoid food products that contain a lot of synthetic hormones and additives. Anything processed might contain the things you should be avoiding, so the best approach is to choose organic and hormone-free products.
According to experts, although taking natural supplements can help with achieving various health goals, you cannot overlook the importance basics like regular exercise and getting adequate sleep. Keeping things natural is always the best way to get your bodily systems back in order. Remember this in case you find yourself needing to supplement your efforts with natural products.