The Growth of Gaming in the UK

The gaming industry is quickly growing in the United Kingdom. In 2016 alone there was an increase in consumer game spending of 11.1 percent. This growth included both video games and casino gaming sites. The sudden spike in interest raising some questions about why this happens to be the case.

More Mobile Access

One reason for this change can be attributed to the increased availability of video graphic games on mobile devices. In recent years there has been a significant drop in the popularity of gaming consoles. But there was an increase in a number of games that were purchased to be used on mobile devices or online by means of gaming applications. People already have actual devices that they need to play the games, so they simply seek out the games they desire, install it or play them directly. The market rises to the demand.

More Online Casinos

Another reason for the spike in gaming popularity is that there are more casino sites available online than ever before. As the interest in online gambling is increasing, so too are the various options of game types offered mostly by bookies, including poker, slots, mind games, card games and even sports betting at places like http://sports.williamhill.com. This in turn, again increases the interest in online gambling. Most of the games are easy to access from a personal computer and gadgets that is certain to give plenty of fun anytime, anywhere. This makes it an obvious choice for many gamers.

In the past, there used to be a higher stigma related to gambling. But now it seems as though some of those opinions have become a bit more relaxed. Some of the shifting perceptions around it might have to increased exposure. Things tend to have less of a taboo associated with them when they become visible and normalized. Another reason might be attributed to the fact that gaming companies are doing more advertising than ever.

More Public Support

In fact, the U.K. has even seen the launch of organizations whose main purpose is seeking and securing funding for startup gaming companies. The easier it is for the gaming companies to get the money that they need to launch and grow a business, the easier it is for them to continuously offer new and exciting content. Some of this support is due to the fact that the gaming industry has opened up a whole new job market in the U.K.

Some of this support is due to the fact that the gaming industry has opened up a whole new job market in the U.K. Supporters are confident that the industry’s growth will continue in an upwards direction for some time to come. This will continue offering new jobs for people with interest in the gaming industry. Some of whom will even be moving into the country to take them. This will also help make a significant amount of money to put back into the economy.

With the introduction of online gaming, people no longer have to go to physical locations to play games of any kind. This increases the comfort levels around in a variety of ways. As long as online gaming remains convenient and fun for people in the U.K., the industry will continue expanding in a variety of ways.

The Best iPhone deals for September

 

With the recent announcement of the groundbreaking iPhone X and its astronomical upfront cost of £1,000, here we run through some of the best iPhone deals on the market right now and how to best navigate the costly, crazy world of mobile deals.

iPhone Deals

It has been a hectic few weeks for Apple. The Californian tech mammoth has announced not one, but two iPhones to the public with a flurry of new features, such as the quirky — if not unnecessary — animated emoji poop (or “animoji”). But with this whirl of attention and with lines of diehards (as always) set to brace the Apple store for the new iPhone launch, there are numerous deals to be had for those seeking older models in both the iPhone 6 and 7 variations.

There are as yet no deals on the upcoming iPhone 8 aside from pre-ordering the device (between £699 – £949) directly from Apple.

iPhone 7 Deals

Whether you are needing unlimited data a free device deal, there are many options for the iPhone 7. However, although the 8 is set to come out, deals have not yet cheapened for the 7 in anticipation. So what are the best deals this month?

EE are offering a 32GB iPhone 7 (in black) for free with their contract. The deal includes unlimited texts, minutes and 5GB of data at a cost of £32.99/month for 24 months. EE have some of the best UK 4G coverage and the deal comes with some perks: 3 months of BT sport and 6 months of Apple Music.

02 have a similar deal, limited to 3GB of data with an upfront cost of £110 for the device. The contract is 24 months and priced at just £27/month. If you act quickly, you can get £10 off at mobiles.co.uk with the coupon code 10OFF.

Vodafone have you covered if you need big data. At £44/month for 24 months, you can get 16GB of UK data, unlimited texts and minutes with the device for free. This is for a 32GB black iPhone 7.

3 have a deal for a whopping 30GB of data, free phone, unlimited texts and minutes, all for £37/month for 24 months. The iPhone comes at 32GB in black and is free with this deal. Further yet, you are guaranteed £10 cashback with this deal.

iPhone 6 Deals

Real savings can be found with the iPhone 6 and 6s. With deals at under £20 per month and a decent amount of monthly data, these deals are best for those trying to constrain their wallet. Although the device is now three years old, it runs on the (still) impressive A8 cheap which hasn’t aged badly at all.

EE have a deal for a 32GB iPhone 6s (in all colours) with 2GB of data, unlimited minutes and texts, all for £22.99/month for 24 months. The deal requires an upfront cost of £75. If you up your data to 5GB, you can get a similar deal for £27.99/month with an upfront cost of only £45.

3 have a more generous data deal on the market for their 32GB iPhone 6s in all colour variations. For £31/month for 24 months and with an upfront cost of £19, you can get a massive 30GB of data with unlimited texts and minutes.

EE also have a competitive 32GB iPhone 6 deal with a basic 1GB data package and unlimited texts and minutes, all at just £17.99/month for 24 months. The iPhone 6 is all round lighted (but more fragile) than the 6s, but still the differences in speed and power are slight.

Target Date Fund Glide Paths

Target date fund glide paths should be designed to balance growth and risk over time, relative to age, to protect plan participants from volatility—especially in the last years before retirement. TDF glide path design should balance growth and risk—especially in the last years before retirement

A Strategic Approach to Investment

A strategic approach to investment that creates a consistent risk profile avoids the complications of tactical allocation strategies in target date funds. A strategic approach to TDF allocations avoids the complications of tactical allocation strategies.

How Fund Managers Can Add Value

Target date fund managers make active decisions even with passive underlying funds. A skilled active TDF manager can add value with strategic allocations, rebalancing and risk management. Target date funds require active choices. A skilled manager has the expertise to make those choices.

Should Start Ups Use Interim Management?

Interim Managers are increasingly a well-known and accepted part of doing businesses. An established focuses on continuity – it hires for the skills it needs to keep running, and to grow in a slow and sustainable way. If it runs into a problem outside this context it may not have the institutional knowledge to face that problem successful. In cases like this Interim Managers make sense as a way to parachute that knowledge into the business, and help it pivot to face the crisis successfully, and even find opportunity in it to grow.

It’s less clear if start-up businesses can benefit from Interim skills in the same way. Start-ups are by nature more agile, more efficient, and less set in their ways than large and medium sized companies. That said, their small size means they have less collective experience, and are more likely to lack a broad base of general knowledge outside the specialist area they operate in. An IT start-up, for example, is well equipped to thrive in the face of an IT problem: they have the skills to develop new products to appeal to a new market or adapt existing ones to meet new requirements, but a change in business law that affects payroll or working hours could leave them confused. Start-ups are also less robust, lacking the funds and momentum of a big business that’s been running for ten years or more.

As Interim Managers work to set goals over short time periods, they make them ideal for a start-up that has a problem outside their capacity bearing down. They also tend to be older than the average age of the staff in a start-up company, so have valuable experience they can impart while they work with one. One of the most important things about working with an Interim Manager is that they can educate your team, leaving them with knowledge that will continue to add value to your company long after they have moved on.

As long as you have a set goal in mind, for example, securing a second round of funding or turning around a failing project, calling in an Interim Manager is a sensible measure. In the example of the IT company above, if they are trying to develop a new product that is running over budget and beyond its deadline, an Interim Manager will not only help to deliver the result without further delays but also leave processes behind them that should stop the same thing happening again.

How To Become The Friend Who’s Good With Money

Back in college, when they took their dates out for candle-lit dinners, your diet consisted exclusively of Ramen. After graduation, they lived in a bright and airy loft, while you lived with several roommates and you could still only afford a tiny basement apartment. Now, they have a have a huge house, nice car, and a growing family thanks to landing their dream job. You, on the other hand, are still working on all of that.

We all have that one friend who, no matter what, manages to get what they want. Since day one they’ve been good with their money, avoiding all of the typical financial pitfalls of their generation. They manage to spend, save, and invest the right way at exactly the right time to land them their every desire. Between stories of their excellent vacation and promotion at work, it’s easy to feel jealous when you catch up over drinks and apps.

By contrast, your financial situation is what most people would want to avoid. Strapped for cash and facing multiple bills, you struggle to pay for the basic necessities. All those extras your friend enjoys aren’t on the table for you at this time. And if your spending habits continue unchanged, they won’t be for a long time.

If you expect to get the same rewards as your friend, you’re going to have to start thinking like your friend. It’s easy to claim luck, inheritances, or even magic as the reason why they’re so good with money, but in reality it’s often a hard earned skill that lets them book that vacation or lease that car. That means it’s something you can learn, too. Start by incorporating these healthy money habits in your life and you’ll be on your way to become the friend who’s good with money.

  1. Review your budget often

If you don’t have a budget yet, it’s finally time to make one. Download an app like Mint or use the budget guide offered by Consumer.gov. Once you’re done don’t just set it aside and forget it. Making a budget only to ignore it is as bad as living without a budget to guide your spending. Make sure you set aside time each week to go over your accounts and track your spending to ensure you’re on the right track. Once you get the hang of things, it shouldn’t take up much of your time.

  1. Start thinking about how you spend your money

Once your budget outlines how you spend every dollar, it will highlight bad spending habits that put your financial goals at risk. For most Americans, overspending’s biggest culprit is the impulse buy. You walk by a Starbucks and think nothing of grabbing a $5 latte. The online shop suggests a half-priced sunglasses case with your new shades and you accept. You pick up a bag of gummi worms on display in your check-out aisle before the reaching the cashier.

On their own, they don’t cost much, but together they can do serious damage to your savings. The next time you feel the urge to splurge, identify what it truly is: wasted money. Be mindful of your habits and save your cash for things you actually want.

  1. Read terms and conditions of any loan

Until your budget helps you set aside a considerable cushion of savings, you’ll rely on financial products to help you make the larger purchases. Auto loans, credit cards, and even payday loans have their advantages, but it’s important you do your research so you can avoid their shortcomings.

Reading the full rates, terms, and conditions of every loan you accept is just one way you can protect yourself as you borrow. It’s not always easy to understand dense financial language, but a growing number of direct lenders — with MoneyKey among them — streamlined their practices to provide simple and clear contracts. These lenders make a point of using easy-to-understand language at every opportunity. Direct lenders like MoneyKey also have a crew of loan specialists ready to answer any of your questions in case anything isn’t clear, so you always know what to expect when you secure an online payday loan from MoneyKey.com.

When you’re absolutely certain about the rates and interest applied to your loan as well as the date by which you have to repay it, you’ll know whether or not it’s something you should apply for or something you should avoid. You’ll also be better equipped to avoid overdue payments and late fees.

  1. Eliminate #fomo and #yolo mentalities

Scroll through Instagram and you’ll see half of your friends posting pictures of their summer vacation. Scroll through Facebook and you’ll see the other half posting personal pics of family get-togethers. What these curated pictures on social media fail to account for is all the downtime between each photo. Instead, we’re overwhelmed by the idea that everyone we know is doing something bigger, greater, and cooler than we are at all times.

It’s easy to fall victim to fomo or fear of missing out, and even easier to spend your money like yolo, or you only live once.

Try limiting your time on social media so you aren’t tempted to overspend. You don’t have to become a social hermit to save some cash. Speak to your friends about your financial goals and plan things that won’t cost any of your money.

Though small, these habits can help you get your finances back on track. Start by making a budget to outline your goals and the barriers blocking your way. With a few tweaks to your spending, you can start squirreling away more cash savings. No longer the financial ying to your friend’s yang, you too can be good with money.