Why The Portuguese Tourism Industry Is Set To Continue Experiencing Rapid Growth In 2019

Although it has suffered from the European debt crisis and has undergone the third largest IMF ever seen, Portugal has since bounced back from the recession and, as a result, has grown strong in its export sectors, but most particularly in the tourism industry.


The tourism sector in Portugal has been predicted to grow by around 5.3% in 2019, which is more than double the average for European countries. Tourism growth does well for the Portuguese economy and, considering that tourism brings in around 20% of the country’s overall GDP, this is a great outcome. The industry, which employs around a million of Portugals 10.3 million residents, is one of the main driving factors behind Portugal’s bounce back following the economic crisis.


The Effects Of Tourism On The Economy

Having increased by 8% in 2018, which was the highest growth rate in the tourism industry in Europe, Portugal’s tourism industry made €38.4 billion in revenue and was responsible for the jobs of 1 out of 5 nationals. Leisure travellers made up 85% of visitors, with 69% of visitors visiting from abroad.


The country’s growth in revenue is partly down to Strategy 2027, which has been implemented by the government. This is a ten-year plan for tourism which is set to boost overnight stays and visits and increase overall revenue within the sector. As well as these goals, there are also measures in place to reduce the impact of seasonal travel in order to make sure that jobs don’t go through a cycle of disappearing when there is a tourism lull. An increase in the appeal of luxury villas Vilamoura and other affluent tourist hot-spots and regions has meant that there is now a year-round appeal for those who want a last minute holiday or break.


To make sure that tourism isn’t having a damaging effect on Portugal’s natural landscape, which is one of the main attractions for many visitors, this plan has standards set aside for more sustainable water and energy use which is set to be applied to around 90% of tourism companies in the country.


Diversification Challenges

As the tourism industry continues to grow, having such a heavy reliance upon one sector can cause broader challenges, as the decline in tourism has a knock-down effect on the economy. Whilst the government puts a plan in place to guard against risks, political instability can have an effect on Portugal’s tourism industry, which is outside of the government’s control.


One of the single largest source of tourists to Portugal is the UK, which supplies, on average, one-fifth of all visitors to the country. It isn’t clear exactly what effects Brexit may have on holiday plans, but last year there was a 7% decrease in visitors to Portugal from the UK. A fall in the pound may also further deter British travel plans into the eurozone, so to avoid any negative effects ahead of the final Brexit deal, the Portuguese government has pledged to keep visa-free travel in place for British visitors.


Portugal also recently passed a law which ensures the rights of  British Citizens who live in Portugal following the possibility of Brexit reaching a no-deal. On the other hand, the instability within competitor markets has proven in favour of the Portuguese tourism industry. With perceptions of increased security risks at an all-time high, tourism to France, Egypt, Tunisia and Turkey have been declining since 2010, yet Spain, Italy, Greece and Portugal have all seen rises in tourism levels.

A Recipe for Success, Courtesy of Dean Akers

No one purposely sets out for failure, why would they? However, in the world of business, marketing and finance, not only are you supposed to eliminate the thought of failure, but also foresee any unfavorable circumstance that might lead to it. However, if companies had a magic crystal ball that could tell them what the future had in store for them, 50% of them wouldn’t end up as failures within the first five years of their launch. This is a statistic all companies need to remind themselves of with every passing day, and if they happen to make it through the five-year mark, they have to change game plans from staying afloat to moving forward.

Dean Akers is the CEO of Adjunct CEO – a company based upon training senior officials of companies for striving for more rather than settling for what they have. Dean visualizes companies as standing on three legs; if one is shorter than the other, the entire structure crumbles. You wouldn’t want a wobbly table simply because it’s of no use to you. The three legs in question here are sales, operations and finance. All three of them are key elements of forming and maintaining a company.

Who exactly is Dean Akers, and does he have the necessary skill-set to provide you with what he claims he will? To answer the latter part, the Adjunct CEO offers a money back guarantee to whichever company doesn’t profit from his mentorship. Dean completed his bachelors in Advertising from the University of Florida and quickly joined a company in Lakeland, Florida as a warehouse runner. By the age of 28, he was appointed as the COO of that company. Using his unique skill-set and business philosophies, he was able to raise the company’s profits from 50 million to 103 million in 2 years with the same workforce as before.

Dean has worked for over 25 years with numerous companies which were at the brink of failing. However, they still stand strong to this day under Dean Akers and Adjunct CEO’s efforts.
The commercial world appears to be blooming every day but that’s more of an idealistic scenario. The truth is that businesses fail and succeed every day. It’s more about what you do to keep yourself from sinking and staying relevant in a world that’s constantly changing.

Dean has been appointed as a CEO in numerous other companies besides Adjunct CEO which is his own company. One of these companies is Ideal Image. How well his other companies have been doing only provides testimony to his word. The burning question now is; why should you call up Dean? I mean, you have a company and you have the necessary ambition to strive for success. The answer is simple: you cannot live in hope of a better and booming business with nothing but ambition. You could’ve been the lead in your very own Broadway Musical, but you didn’t strive for mentorship. You need to have someone tell you from their own experiences what works and what doesn’t, what to say and what not to say.

Purchase Guard – The Quick Way to Resolve Disputes Online

Online shopping has become the norm for a lot of people these days. And why not? It’s fast, convenient, hassle-free, and in many cases much cheaper. But misunderstandings between sellers (i.e., merchants) and buyers can be inevitable. Some of the most common causes of online shopping disputes include delayed delivery, damaged goods, cancellation of orders, and poor quality of goods received.

If these disputes remain unresolved, the issues could get worst and cost both the consumers and the retailers a lot of money in the long run. It all gets better now, thanks to the new innovative dispute resolution service that aims to make everyone’s online shopping experience more pleasant.

Introducing Purchase Guard. This all-new service is designed to help resolve disputes online between customers and merchants. The company behind this platform aims to make online shopping safer, smoother, and more enjoyable for both online shoppers and merchants.

Why Purchase Guard is a breath of fresh air

One of the traditional ways unsatisfied customers deal with a shopping complaint is to contact the merchant directly through email or by phone to raise their concerns. This has been the most common and so-called accepted way of dealing with disputes, but it doesn’t always end well or resolve things. Often, the sellers and consumers don’t see eye to eye, making things worse than when they started.

Contacting one’s credit card issuer or bank is another popular way of resolving a shopping dispute, but if not done properly and cautiously, one can end up on the wrong side of the law. Misrepresentation of claims, also known as “chargeback fraud,” is one of the biggest problems online merchants have. But if the shopper issues a wrong chargeback, he or she can lose their banking or credit card services. What’s worse, is that it can have a severe negative effect on their credit score, making it difficult to get a loan or a new credit card.

Thankfully, Purchase Guard is here to save the day.

This hot-new dispute resolution service aims to provide a safer, less risky shopping experience online. Although it is still in its initial stages, with the first merchants in their late testing periods, a full-scale rollout is expected to happen before 2019 ends, bringing remarkable changes to the online shopping arena.

How Purchase Guard works

For many years now, dealing with online shopping complaints has become a daunting task. In many cases, it can take just too much time for the merchant to resolve an issue (if any). Other times, problems are either dealt with poorly or are never dealt with at all.

Purchase-guard.com, the owner of this unique dispute resolution service, is committed to resolving disputes online in a timely and professional manner to ensure that online shopping goes smoothly and hassle-free from hereon.

Step 1:

First, you need to register for a Purchase Guard account (free). You will be asked personal details, like name, address, etc.

Step 2:

Once registered, the user will be asked to select the kind of purchase made and to describe his/her shopping experience or complaint.

Step 3:

Representatives from Purchase Guard will work with you closely, negotiating with the seller in question to find the best possible solution for both sides.

Step 4:

If you’re happy with the solution (as a buyer), and the same goes with the seller, the dispute will be closed. You will then have peace of mind knowing that you shouldn’t have any problem raising any shopping concern moving forward.

Working with a third-party service, like Purchase Guard, takes the burden off of your shoulders. By having professionals deal with your complaints, you won’t have to worry when buying goods online.

6 Home remedies for Restless Legs Syndrome

Restless Legs Syndrome or RLS is a neurological disorder that causes sensations or stiffening of the nerves which urges us to move them powerfully; the impulse to move them sometimes become so strong that it can disturb your deep sleep. One of the biggest reasons for this disorder is prolonged sitting.

Heating or cooling methods:

When you experience the above-mentioned symptoms of RLS, it is an amazing idea to apply heating pads or cooling pads mostly around the affected muscle. Once the prime area receives some respite, move on to the surrounding parts with the same method so that the rest is not threatened with pain due to the sudden application of cold.

Reduce smoking and drinking alcohol and caffeine:

Man Sitting Near Brown Table

The best way to not make this situation turn worse is by reducing the intake of tobacco in any form, drinking alcohol or caffeinated drinks. Caffeine can relieve your mind for some time and boost your energy, but that is momentary. Once its effect passes, the aftermaths will only weaken and worsen the situation. Also once you completely stop consuming these categories of edibles, you might notice a positive change with the reduction of pain.

Daily exercise that develops the endurance of legs:

Woman Using Leg Press Machine

Try and indulge in exercises like running, swimming or jogging on a regular basis so that the endurance power of the leg muscles is improved. At the initial stages, this might prove tiring or even painful, but the passage of time, it will start displaying the effects. Start from the basic level, do not put extreme pressure on the limbs from the very beginning as it can lead to frequent bothering.

Get proper sleep:

Close-Up Photography of Woman Sleeping

Fix rigid boundaries of sleep and get yourself determined to sleep no matter however strong is the urge. Work enough through the day so that you are tired and therefore the resulting sleep in the night will be solid and undisturbed. Maybe drinking a glass of warm milk before going to bed will help you sleep better and longer.

Massage your legs:


This photo shows the legs of a woman who is sitting on a red pillow on a pastel colored couch. The woman is putting on some lotion on her legs with her hands. She has red toenails. Thew whole setting makes a very relaxing impression.

Another remedy that you can take resort to is daily massaging of your leg muscles with oil. Warming the oil before the application will help in better absorption by the skin providing better and faster relief. Reserve a certain part of the day regularly to dedicate it to this activity. Also, you break free from the time window and use the technique when in a lot of pain.

Take precautions:

Take enough precautions before getting onto long hour flights or meetings. Keep a hot water bag handy or massage the muscles well before getting on board. This will not only help you psychologically to keep the thoughts of the pain at bay but serve as a protective cushion before the hours of the test.
People working in offices or sitting on the ground with some household chores have a bigger chance of developing this. Here are some home remedies that can help you to battle this abnormality; but keep in mind that if the symptoms are severe, you must turn to proper medication. To know more about the Restless Legs Syndrome, click here.

Banking for Individuals and Businesses Simplified – A Beginner’s Guide to Getting Started

Selecting the right bank for your personal and business needs is a critical decision. There are many banks which offer a range of consumer, as well as business products, to their customers. Gustavo Dolfino, an investment banker by trade said- “it’s important that you choose carefully, as every product is different, and every bank is different. What matters most, is the type of relationship you are able to develop with the bank in the long run.”

Interest rates.

A small difference in interest rates can add up to a lot of money over time, regardless of which type of loan you are in the market for – auto, mortgage, and payroll to personal credit cards. Don’t fall for the “skip a payment this month” trick. What actually happens in the month you skip a payment, is the outstanding amount gets compounded, and so does the interest amount you end up paying. It will add up in the long run.  Avoid excessive debt at all costs; servicing that debt is one of the main reasons people file for bankruptcy.

Electronic services

Know what services and operations can be done through online banking, if there is a charge associated with them, and what level of sophistication they entail. Ideally, this service should be an essential part of your relationship, should not cost extra, and should be available to you 24/7.

Trust and Security

Even though US banks are insured by the FDIC, this federal form of insurance is capped at 250K per account, and applies only to non-interest bearing accounts. In addition, you should note the credit quality of the bank, as well as its stock price, should it be publicly traded. Assuming the bank offers a debit or credit card, you should investigate their policy regarding fraud, and your liability should it occur.

Commissions and fees

You should check what fees and/or commissions, if any, apply to the use of the bank’s debit or credit cards, when those fees apply, for example, by using a non-bank ATM, or when used in a foreign country. Do not ignore in your analysis, charges for wire transfers, checks, minimum balance or insufficient funds fees.

Loyalty points

This is an aspect that can be misleading and should be treated with caution. Not all purchases will earn you loyalty points; should they, verify when, where and how they can be used, including blackout periods.

Immigration Detention Rights

Did you know that immigrants from a range of countries all over the world make up just below 15 percent of the UK’s population? That’s about 9.4 million people. Of those, around 30,000 are put into immigration detention every year. And this doesn’t just happen to people who are in the UK illegally, but also to people who are here perfectly legally. That’s why it’s important for those people and their families to understand their legal rights.

What is immigration detention?

Most immigration detention centres are quite traumatic, and not very pleasant places to be. This is just one reason why it is important for you to understand what your rights as an immigrant are, and how to exercise them if you need to.

Immigration detention is a UK government policy stating that anyone who doesn’t possess leave to remain in the UK or whose leave has expired, must be detained in a secure facility. You might be surprised to learn that at present, there isn’t a time limit on how long adults in this position can be held in detention. Depending on the circumstances, if you have no right to remain in the UK, the government can legally detain you indefinitely. The only people this doesn’t apply to is pregnant women, who can only be detained for up to 72 hours in most cases.

Also, by law in place from 2011, no child should ever be detained. However, last year nearly 50 children were illegally held in centres. If you know that a child is being held illegally, you must contact an immigration solicitor immediately.

What can you be detained for and when can it happen?

Having no right to remain in the UK means that technically, you can be put into a detention centre at any time. There are also a range of reasons for which you might be detained under immigration laws, however some are much more common than others. According to Manchester immigration advisers, the below are the most common times and reasons people in the UK get put into immigration detention:

  • Upon first entry to the UK
  • When reporting to the Home Office in their regular appointment
  • After attempting to claim asylum, being refused and having exhausted all appeal rights
  • If the person has no immigration status or applications pending and has been picked up by an immigration enforcement agent
  • If the Home Office has decided to reject your asylum claim because you have already been given humanitarian protection by another country

People can also be picked up at home, during immigration raids on businesses, and stop-and-searches in public spaces like bus and train stations. It’s not very comforting to think that, and this could change but at present it’s legal, so knowing your rights is really beneficial. Last year, 56 percent of those people detained under immigration laws were allowed to resume their position in society with no further action being taken, so although being put into detention isn’t at all pleasant, it also doesn’t always mean a person is going to be deported.

Detainees’ rights

Knowing your legal rights whilst in immigration detention is really important, and exercising these rights can help to make you feel less powerless and lonely. Unless a detainee has committed a crime, they have the below rights:

  • Access to legal advice
  • Access to any medication they usually take
  • Access to religious support no matter what religion they practice
  • To have visits from friends and family, as long as they follow the correct protocol
  • Access to appropriate medical care and the right to complain if they feel that this is not happening
  • To apply for bail if they’ve been in the UK for more than eight days
  • To obtain a ‘financial condition supporter’ in order to help strengthen their bail application
  • To view their bail hearing if it is granted (usually watched via a video link)

Exercising their rights

If the person in detention is able to hire an immigration lawyer, they should do this as quickly as possible. It’s a good idea for anyone who might be at risk of being put in detention to do this anyway, so if they do get detained they are already prepared.

Keeping a physical copy of their solicitor’s contact details as well as their doctor’s details is a good idea, so if their mobile phone gets taken away from them as they enter the detention centre they still have support who they can contact. Family or friends can hold these kinds of details for you and contact the relevant people on your behalf should you not be able to.

Visitor and healthcare rights

Being detained can be very isolating, but visits from family, friends and support groups can be really helpful. Visitors will be required to follow strict protocol, such as giving enough pre-warning for a visit, co-operating with staff and following centre rules.

Immigration detention doctors are required by law to report cases of ill health to the Home Office, but unfortunately this is frequently not done or not done properly. If you think this is the case for a family member or friend, you should contact a solicitor urgently. If you need immigration advice, AWH Solicitors in Manchester can offer help and support for anyone in England or Wales.

Will You Find a Former Co-Worker?

Over the years, there is a good chance you will end up working with a sizable number of people. As such, chances are you will lose touch with some or even many of them over time as people come and go.

That said more people seem to be on the move these days.

Back in the day, more individuals stayed with one employer for a longer period of time often. With today’s hustle and bustle, it is not uncommon for individuals to be at a company a few years and then go elsewhere.

As a result of such moving around, you may lose track of some former co-workers you had a good relationship with. If so, do you wonder where they are now?

If you are wondering where they’ve gotten to, how will you go about finding them?

Internet is Good Starting Place

In your efforts to track down one or more former co-workers, keep these pointers in mind:

  1. Internet – Given all the info that is out there on the Internet, you could move ahead with a free people search. When you have one’s full name and any other pertinent details enter it into an online search. Doing this could move you closer to finding where they got to. You may end up being able to locate where they moved to and even where they are employed today. Along with such search websites, also give social networking a shot. Many people end up on sites like Facebook, Twitter and more. As such, they can be easy to locate. If you do find them for instance on Facebook, send them a friend request if possible. You could be delighted to find them accepting such a request sooner than later. With all the Internet has to offer, there is a good chance you will be able to find those you are searching for.
  2. Word-of-mouth – Are you friends with some former co-workers? Do they also know one or more people you are looking for? They may have stayed in touch with the person or persons over time. As a result, they can lead you to them. If you left a company and are still in contact with people there, they may tell you what happened to one or more folks. This is after you left.
  3. Media – Last, if you know the area where the person last lived, check out local media sources. Along with those online, look to newspapers and other such outlets. Your former co-worker may be active in their local community. As such, they may end up in the press on occasion. This would be another means of finding out if they still live locally even if you moved away a while back.

In tracking down former co-workers, be cautious with which personal info you divulge. This is information to others in trying to find someone.

You never want to give out your home address or phone number.

As you keep a safe neighborhood at home, do not give out your personal info to the point someone may be checking you out.

If you have some fond memories working with people and wonder where they got to, are you ready to begin your search?

Best Skills to Learn When You Have Tons of Free Time

Most of us are carried away by the hustling bustling schedule of our daily lives which is swamped with major priorities that we hardly get some time to spare for other things. You may have a 9-hour work shift, two-hour long commute, and then all you are thinking about is getting in your pajamas only to binge your favorite series on Netflix. Life is pretty much the same for most of us and it can be increasingly difficult to do anything else in the world.

Weeks and days pass by, and you are craving for some free time in order to do something more in your life. While it is important that you utilize a break from the daily grind to relax and muster up your energy, you still may want to pursue all of your other interests which you have listed in your bucket list. It is important that you make a list of things which you want to learn in life. Having acquired a set of skills that are diverse in nature can benefit you in many ways. It could offer you an escape from the whole typical routine and it is actually pretty fascinating to know something many people would not normally know.

So, if you have some free time on your hands, here are the things you should learn:

Coding – In today’s digitally accelerated world, coding is in huge demand. It is an ever-green skill which would continue to pay off as long as the internet exists in the world. Coding is why Mark Zuckerberg built Facebook. It is also why many people have made successful freelance careers, forever escaping the nine to five capsule of work life. Coding can allow you to do a great number of things you could not imagine, like making a site, blog, software, mobile application, etc.

Artificial Intelligence – It may sound like acquiring expertise in AI is a far-fetched thing. But the parameters are exceeding the limits of college and thanks to the internet, you can learn AI from the comfort of your home. Sign up with School of AI as it offers full-fledged education for free! Led by Siraj Raval, who’s a pioneer in the field and is popularly known as a Data Scientist, Author, YouTubers, and AI expert from the United States. He has amassed over 500,000 followers on YouTube with his videos exceeding 11 million in views. His reach has extended from Elon Musk to Google. Siraj has also spoken at global platforms like CERN, the United Nations, and data science conferences in different parts of the world.

Making a perfect drink – James Bond in Casino Royale ordered a dry martini with 2 oz. of Gin, 1 oz. of Vodka, ½ oz. of Kina Lillet, shaken, with ice, and a thin slice of lemon peel. You can also mix different spirits and make your signature drink! Try it out and let your friends be amazed by your creative knowledge.

Advantages of using a convex mirror for safety

Good visibility is one of the central tenets of safety. You have to be able to see the incoming danger in order to prevent it. You might have encountered a situation in which you wish you had a broad view of your surroundings to better navigate while walking or driving. This is where convex mirrors come in. One of their many uses includes being a helping hand in parking, driving, and other road activities. However, the advantages of these mirrors don’t stop at road safety

1. Safer warehouse navigation

Warehouses are very dynamic environments. You can have several workers and moving pieces of machinery on the floor at one time and they are all trying not to bump into each other. Forklifts are notoriously dangerous pieces of equipment that are very much able to harm workers. The driver has to focus on dozens of different things all around him while maneuvering a very heavy load with his machine.

Sometimes it can be difficult for them to keep their situational awareness up. Forklifts and cranes can have blind spots and these can prove to be dangerous for workers on the work floor. If you position some convex ceiling domes and vertical mirrors around difficult corners, it could make it easier for them to get a full grasp of their surroundings.

2. Much easier parking

A lot of people take parking for granted until they get caught in a bad spot. If you have a parking space at work where you park regularly, you’re going to fall out of practice when it comes to more difficult situations. Every once in a while, you’re going to get stuck in a busy street with some very tight parking. If you have to parallel park under pressure, it’s going to lead to a lot of struggling and you can risk damage to your vehicle.

Nobody likes to parallel park in a tight spot, but sometimes it’s unavoidable. Rear-view mirrors just aren’t up to the task of giving you a proper view behind the car. Some parking spaces have these curved mirrors that allow you to see just about every angle around your car and they can be a huge boon in difficult parking situations. With this kind of helping hand, you’ll find it much easier to position your vehicle in a hurry.

3. Improved store security

Working in retail can teach you a lot of things about human nature. Unfortunately, you’re more likely to get well-acquainted with the bad parts if your job involves working in sales. People tend to steal from retail shops and department stores, which is why some of them are equipped with specific security measures to mitigate this.

Often, store security doesn’t actually have the authority to stop a shoplifter. All you can do is call the police and hope that they are able to reclaim the item after some time. The best way to stop excessive shoplifting is by placing deterrents. Mirrors allow you to have an extremely good view of your entire store. This will dissuade even the most persistent shoplifters. Feeling like all eyes are on you can make anyone paranoid.

4. Better driving conditions

Big cities can have pretty hectic parking and streets. Planners might have had driving in mind when designing roads, but sometimes corners are cut and you end up with actual corners that are very difficult to navigate. Keep in mind that even if you’re careful behind the wheel, other people might not be. If you’re trying to enter a street from a bad angle, who knows what could be waiting for you on the other side. Luckily, street planners have already increased the usage of convex mirrors for safety on the road.

You might have noticed them on very narrow or one-way streets. They make it a lot easier to enter a busy lane from the side. You don’t have to worry about reckless drivers because you have a full view of the lane to your side.

5. Keep your kids in sight at all times

A lot of parents are pretty hesitant when it comes to monitoring their kids. We’ve all heard of helicopter parents that refuse to leave their kids alone for longer than a second. Nobody wants to be overly protective of their children, especially in situations where they’re playing and socializing with others. Unfortunately, the world is still a pretty dangerous place for children and they aren’t yet capable of understanding the various hazards that surround them. If they tend to play in the driveway or on the road, you shouldn’t expect them to be too careful.

Luckily, there are a couple of inconspicuous solutions you can try. If you position a convex mirror just right, it can let you have a broad view of the area where your kids are playing. This way, you could sit on your front porch and watch them from afar, without giving off an overly protective vibe.

It’s even better for use if you have a swimming pool because you can use the mirror as a way to check in on them from your home or backyard.


There are a lot of ways to increase your visibility in tight spots, but convex mirrors have proven to be the most economical and efficient options. You get a very broad view of anything that is reflected and you can confidently navigate through any dangerous situation. Injuries and crashes are drastically reduced with the proper application of these mirrors.

The Three Questions You’ll Ask Before Taking a Property and Casualty Insurance Exam

Property and casualty insurance are two of the largest insurance sectors in existence. As such, they offer a wide range of related jobs that can provide excellent living. Plenty of these jobs require state certifications and licenses. Getting those licenses might put you on the path to a property and casualty insurance exam. If you’re thinking seriously about this path, you need to look into prep courses. Before you go that far, though, these three, common questions might help you better understand what lies ahead.

What’s in the Test?

Every state handles its own insurance licensing. Because of that, the answer to most questions will vary by state. This is no exception. The exact content of the exam will be tailored for state laws and regulations. That said, any exam can usually be broken into two sections, each consisting of eight parts.

The first part covers property insurance and includes insurance regulation, general knowledge, property insurance, dwellings, homeowners, commercial policy, business owners and other policies.

The second part focuses on casualty insurance and can be split into insurance regulation, general insurance, casualty insurance, homeowners, auto, commercial policy, business owners and other.

A proper prep course should handle all 16 topics.

Where Do You Take the Test?

Again, each state sets its own rules. For the majority of states, you can expect the licensing exam to take place at an official facility and professionally proctored. California, for example, has a licensing bureau that handles the entire testing process. You can schedule your appointment online (they will check your prerequisites). On the day of the exam, you will arrive at an official testing site and go from there.

Some states may outsource the examination to proctor groups. Because of the diversity of testing environments, it’s always best to double check with the specific exam administrators to ensure you are prepared for any specific rules that may be in play.

Do You Really Need a Prep Course?

Many states require you to complete the prep course before you are eligible to take an exam. Even when that isn’t the case, a prep course is the best resource to ensure you have covered all of the important material. It will also serve as a failsafe to keep your I’s dotted and T’s crossed. The licensing procedure includes plenty of paperwork and administrative filing. Your prep course can protect you from unintended clerical errors that might hinder the process.

Any state licensing program can feel more complicated than it really is. The key is to into a program with seasoned veterans. They can fully prepare you for your property and casualty insurance exam and get you on the path to your new career.



How to Spread into Global Markets

Biggest goal of any business is to go global. Going global comes with a lot of benefits. However most business owners are afraid to spread into international markets, because there is no one way, one strategy that can be applied for all companies and would work the same for all. That means there’s a lot of strategy creation involved.

Market entry is the term you’re going to get familiar with if you’re planning to go abroad. It’s the process of adapting, transforming your product or service to a different, foreign market. There are a lot of plans and strategies to do so, but you will always need to adapt a known strategy to your own situation, because every company is different.

There are such market entry strategies as:

  1. Direct exporting is direct selling into the different market you’ve chosen. It is crucial to choose the right sales agents, because they represent your company abroad.
  2. Licensing is the term of giving the rights to your product to another company. It is best to chose this strategy, if the partner you chose has a large part in the market you’re about to enter and a wide audience it’s already reaching.
  3. Franchising is quick market expansion. If your company’s business model is quite versatile – this is the strategy for you. This strategy can only work if your brand is unique and known.
  4. Partnering is often fundamental in the process of market entry. In Asia partnering is mandatory. If you’re entering the market of a country that has completely different social culture, traditions, business, this is the best strategy to enter a market.
  5. Piggybacking is a considerably cheap strategy. You first need to find companies, that are already in foreign markets. Then you have to persuade them to add your product or service to their assortment. If they accept your offer, you will enter foreign markets.
  6. Joint Ventures strategy is when two firms agree to work together in a distinct market and create a third company to undertake this.
  7. Buying a Company is useful when you have a big budget. You enter the foreign market by buying a local company. It is very expensive, but local people, government will perceive you as a local company from the start.

These are only some strategies of how to enter a foreign market. For more information or help visit https://pointoneintl.com/ .

5 Things That Small Businesses Can Do To Improve The Health Of Employees

When it comes to caring for employee wellness, a lot of companies tend to focus the majority of their efforts on employees who are unwell or have long-term health issues. Whilst this is definitely money well spent, it is just as important to support the health of your other employees. On average, around 55% of a business’ workforce are “at risk” and are living with health risks, either from bad diets, smoking, drinking or not doing enough exercise. This can have an effect on their health and productivity.

As well as these obvious risks, a lot of employees are affected by health issues which are less visible. Stress, financial worries and mental health issues are also serious things to consider. So, if you have a small business and want to help improve the health of your employees, then here are some things to help you get started.


Flexible Working Options

Employees have commitments outside of work and juggling a balance or work and home life can be incredibly difficult, especially for parents or those who care for others. By offering flexible working options, you can help to significantly reduce stress levels and make your employees feel far more comfortable when it comes to prioritising their work and home life.


Provide Private Health Insurance

A lot of employees tend to put off health issues due to not being able to afford the treatment needed. Dental, physio and mental health concerns can often be costly to treat, so by offering a private health insurance option, your employees have cover should they ever need it. This, in turn, reduces stress and financial worries on your employee’s behalf, and you know that you are there to support them when you can.


Build A Culture Of Wellbeing

Putting a wellbeing strategy in place will help employees to address all of the traditional nutritional and physical issues that are associated with poor health. Gym discounts, for example, may encourage employees to take part in regular exercise and provide, whereas having regular team-building sessions will boost morale and workplace friendships. Having confortable office furnishing and handmade furniture and break rooms will also help staff feel much more comfortable in the office.


Nurture Emerging Leaders

People who are natural leaders and managers rarely ever emerge on their own. Previous evidence has shown that when these employees are supported within their work environment they will realise their true talent and potential. Whilst it is important to not show any favouritism, as an employer you must be able to recognise these employees when you can and offer them guidance. When these employees are not recognised, they feel undervalued and underappreciated, leading to poor motivation and productivity.


Support Nutritional Health

Nutritional health is extremely important in the workplace. Whilst it is vital for employers to provide a safe and healthy place of work, it is also important to encourage healthy lifestyles. Eating healthily not only provides your body with the right vitamins and nutrients which it needs to function, but it also helps to keep your mind focused as your blood sugar levels naturally fluctuate throughout the day and if your a VW Specialist or another technical area, staying sharp is key. Relaying the importance of eating healthily to your employees should be high on your list, but you can also recommend digestive health supplements and probiotic tablets as well.