How to Compare Letting Agents’ Property Management Services

All letting agents will advertise that they will actively carry out property management services. However, fees for this service can range from 5% of your monthly rental income to over 15%. So what do you get for your money and how do you know how to choose between the agents?

What we tend to find is that some agents will charge a very high set up fee, such as £350 and then a low management fee and when you add the two together, you realise that the company with the cheaper set up fee and more expensive management fee is actually the cheaper company in the longer term. For example:-

On a property which rents out at £600 per month:-


So it’s essential to ensure    Cyber Security Cloud that you add up all the fees that you might be charged and request that they are set out on one page of A4. Then compare all the fees over a tenancy agreement of six to twelve months and not just assume the ‘headline’ percentage management figure means one agent is cheaper than another.

The next problem with what is included in property management charges is that the level of service of what’s included in property management can vary dramatically from one agent to another. For example, some include property visits if the property is empty or inspection visits a few months after a tenant has moved in. Other agents will charge you extra for these visits. So, as with all charges, it’s essential to understand exactly what is included in the property management service before you conclude which agent is more expensive than another.

Finally, many letting agents just act as ‘Chinese whisperers’ when a tenant calls with a problem. They call the landlord and ask what the landlord wants to do about it, and if some work needs doing they’ll offer to organise it, and despite you the landlord paying a management fee, they then add a percentage on top of the work they organise and you get billed for it! What’s the point of paying for that?

Ideally the agent will either allow you to do the work yourself (or use your own contractor), and if you are paying for property management, liaise with the contractor on your behalf, or they will organise the work for you up to a certain level (for example £500) free of charge and NOT take any ‘kick backs’ from the tradesmen. Ideally what you should receive is the original (or copy) of the invoice for ALL works from the contractor or agent.

I am one of the UK’s top property experts being regularly quoted in the press including the Telegraph, Independent, Times, Daily Mail and Express and have appeared on BBC2, featured on BBC Radio 4, Channel 4 and a number of local BBC Radio stations.

I have been a consultant to the property sector for a number of years and renovating properties for over 20 years. I have also written a number of books, including four for Which? – Buy, Sell, Move House, Renting and Letting, Develop your Property and the Property Investment Handbook.



Good and Bad in Gaming

Gaming is one of the biggest hobbies and even careers in the world. People play games for fun or learning while others record videos about the games. In this article, I will focus more on gaming itself and not so much the side of how to make gaming videos. Gamers come in all different ages, genders, religions, locations and shapes. The backgrounds of people who are gamers make gaming that much more fun.

Backgrounds of gamers can play a part in the type of games that people play. There are all kinds of combinations for different categories relating to the type of games and type of gamers. You really need to look at the game’s website to get all the pertinent information prior to buying.

There are many online platforms where you can buy games from such as Steam or Humble Bundle. Those sites will give you the description, videos by the company, pictures, user and non-user tags, reviews, website, company and their social account(s). Be aware the game’s website might not show you everything you need to know. As a minimum, a gaming company will show a short sales pitch description, small amount of pictures (5 at best), one or two videos by them and their social accounts. The most they will provide is an informative description, their social accounts, user reviews and videos by them.

Let’s dive right into what is perceived as negative about gaming. The majority of the negative things about games come from the real-life people on those games, the type of games and the types of games for the wrong person. A game can be poorly made but it’s not always the case where the game itself is bad. It could be where it was the wrong type of game for the wrong person. This is where the categories come in. Maybe a game has a bit of violence. That doesn’t make it bad; it just makes it the wrong type of game for a seven year old. Or maybe you bought a puzzle game for a person who loves action type games. So the action loving person won’t enjoy it, but that doesn’t make the puzzle game bad!

The types of games are endless from nudity, drugs and alcohol, horror, gambling with money and more. These different types are wrong for youth gamers as well as wrong for people who don’t like seeing such things.

Gaming has good and bad sides just like everything else. The key is how good and bad are those sides. For example, some games have a bad side with players that like to fight a lot. This is common in games. Understand for a lot of gamers this is not a big deal; however, for youth who are new to the game or even gaming in general this can be frustrating. There are times when you want to avoid the bad sides all together. There are times when the good outweighs the bad. If this happens and there are no problems with the game itself; then the bad side is just that one little fly in your room which is no big deal. Caution: If the bad outweighs the good, I would strongly recommend avoiding that game.

Another aspect that  slotxo people will nag a game developer or creator about is representation. Should I say, a lack of representation which is not limited to race, body type and message in the game. If you are able to customize your character, then of course you will not have a problem with representation. There is a problem in some games where they don’t represent strong and smart females, minority females and males, big, small, tall, and short females and males. Notice how I didn’t put “males” after female for strong? That’s because males in games are ALWAYS represented as strong and smart.

In games that show a male strong and smart, he will mostly likely be white, tall, thin, movie star looking and buff. You will rarely see him be a minority, short, chubby, not buff, nerdy looking, while still being strong and smart. You see this even LESS for females. Some females in games are also white, tall, thin and strong while showing skin like no tomorrow. You only see THESE females in MMORPG games (Massively Multiplayer online Role Playing Game) though. RPG games are meant for fantasy worlds where you mostly fight people and monsters. Of course the females’ stats will be strong but they won’t look strong.

In most games, when they add a character for you to play they always add a white male first, then a white female, then a black male, and then a black female. They don’t even really add people who are mixes of races or in between. When it comes to the black characters they only add one shade of “black” or “African American” and not every black person on earth is that shade.

In games, the majority of the characters are always thin and tall. You don’t really see characters that are short and thin, tall and chubby, short and chubby, etc. There are a lot of people who aren’t thin and who aren’t tall.

Then lastly, there is the mental message that goes with the gender, race, and body type. What do I mean by the mental message? Some games send an indirect message about that character being strong and smart or something else. While for other games it can be a mental message either on purpose or not. For example, in the game you play and you see a minority female who is short, chubby, nerdy looking and her traits are to be a goof ball, naive, and dumb. It could send a mental message to you that people that look like her are just like her. They’re not smart, they aren’t thin, and are not tall. They did poorly in school, etc. etc. So you start thinking those things based on not only seeing this in that game over and over again, but when it happens in other games too.

The worst part is NONE of these things are true. Yes, some people aren’t thin, tall


One of the essential differentiations between video betting machines and reel machines

One of the essential differentiations between video betting machines and reel machines is standing apart payouts are CLUB388 resolved. With reel machines, the most ideal approach to win the best gold mine is to play the most limit number of coins (by and large three, to a great extent four or even five coins for each turn.

With video machines, the fixed payout values are expanded by the amount of coins per line that is being bet. All things considered: on a reel machine, the odds are more certain if the examiner plays with the most limit number of coins available.

“Multi-way” games evade fixed paylines for allowing pictures to pay wherever, as long as there is at any rate one in at any rate three progressive wavers from left to right. Multi-way games may be masterminded to allow players to bet by-reel: for example, on a game with a 3×5 model (oftentimes insinuated as a 243-way game), playing one reel allows all of the three pictures in the chief reel to perhaps pay, anyway the center section pays on the extra reels (routinely relegated by clouding the unused pieces of the reels).

Other multi-way games use a 4×5 or 5×5 model, where there are up to five pictures in each reel, considering up to 1,024 and 3,125 distinct approaches to win independently. The Australian maker Aristocrat Leisure brands games featuring this system as “Reel Power”, “Xtra Reel Power” and “Super Reel Power” independently. An assortment incorporates plans where pictures pay adjoining one another.


An award is an exceptional component of the particular game point

An award is an exceptional component of the particular game point, which is incited when certain pictures appear in a samongkon victorious mix. Prizes and the amount of additional features shift dependent upon the game. Some extra changes are an exceptional gathering of free bends (the amount of which is every now and again established on the victorious mix that triggers the award), routinely with a substitute or changed game plan of winning blends as the principal game and furthermore various multipliers or extended frequencies of pictures, or a “hold and re-turn” specialist in which unequivocal pictures (ordinarily put aside with potential gains of credits or various prizes) are accumulated and gotten over a predetermined number of turns. In other extra changes, the player is given a couple of things on a screen from which to pick.

As the player picks things, different credits is revealed and conceded. A few prizes use a mechanical device, for instance, a turning wheel, that works identified with the award to show the aggregate won.

A coin holder is a compartment where the coins that are rapidly available for payouts are held. The holder is a mechanical contraption that transforms mint pieces into the cash plate when a player accumulates credits/coins (by pressing a “Cash Out” button).

Right when a particular preset coin limit is reached, a coin diverter normally redirects, or “drops”, plenitude coins into a “drop bucket” or “drop box”. (Unused coin holders can regardless be found even on games that exclusively use Ticket-In, Ticket-Out development, as a leftover.


Revolution of Digital Marketing

What is digital marketing?

Today nearly 80% of all the media that we consume come through digital channels. Massive internet usage and digital media has given rise to a new marketing concept called Digital Marketing. It is a broad area and considered to be the future of business development.

Digital Marketing is the most commonly used term for online marketing and it has several advantages over traditional offline marketing. With the help internet and mobile devices customer these days have access to information from anywhere in the world. Marketers these days use digital tactics to attract and convert audiences online.

This new age marketing methods helps to gain good reputation which is essential for a business to survive. It is the best way to reach out to your targeted audience. With the help of digital marketing one can reach many customers at a very  PPC Agency USA little marketing budget. Unlike traditional methods you can measure the success of digital marketing campaigns with the help of analytical tools. Ever year more and more marketers put aside traditional marketing and focus on this approach. Successful marketing campaigns can be accomplished by integrating traditional methods with the digital marketing techniques.

Common methods of digital marketing

Email Marketing

This is one of the commonly used methods of online marketing. Email marketing enhances business communication, cost effective and Eco-friendly. By this method a message could be sent to a group of people by the use of electronic mail.

It is an efficient way to stay connected with your audience while promoting your business and also one of the easiest ways to reach your target audience.

Search Engine Optimization

It is an organic way of optimizing your online content to improve the ranking of your website on the search engine.

There are a lot of factors involved in ranking of a website such as title, keywords, relevance etc. SEO helps to ensure that your site is accessible and improve the chances of being found by the search engine. It is classified into two types on page and off page optimization. On page optimization is achieved through careful distribution of keywords and the quality of content on your site. Off page optimization involves factors that are beyond the control of your website. The primary goal of link building is to get other websites links to yours to improve SEO.

Search Engine Marketing

When someone searches for information or a keyword, SEM makes sure that your site appears at the top of search engine results. It uses a variety of techniques which helps the search engine to deliver your site to the web searchers.

One must clearly understand SEO before using SEM. It is one of the most efficient ways to spread your business across in this competitive world. Some of the components of SEM are ad auction, bid and quality score. Your maximum bid for a keyword with a great quality score determines your ad position.



The Eye Health Producing Benefits Of Kefir For Maximum Health

Are you looking for a different way to improve your eye health and your general health at the same time? Then, you may want to consider adding  to your diet. What is is a cultured milk product resembling yogurt that you can drink which contains   content. It supports the health of the digestive system and provides a series of different health benefits.   boosts immunity, builds bone density, improves digestion, fights allergies, and improves the   eye health due to its ability to improve the functioning of the digestive system. Due to its properties to promote digestive health, it can improve the absorption of nutrients to the visual system. Additionally, it does consist of Vitamin A; an essential eye promoting nutrient that is good for the development and  your diet for better health.

consists of different cultures and fermented foods. The word came from the Greek word which means to feel good. From that point of view, you will feel a sense of well – being after drinking due to the fact that it is helps the central nervous system, relieves anxiety, stress and boosts mood.

The people of Western Russia live to a ripe old age of 100. They are known to be one of the cultures in the world with the highest percentage of Centenarians. What was their secret? They consumed s a regular part of their diet. Dr. Alexander Leaf conducted a research study on the health of the  people of Western Russia and the positive effects that  l  in improving their quality of life. The findings of this study revealed that  were full of health and  and lived to 100 years old. Additionally, the research study revealed that even in spite of the fact that 80% of the people were over 90 years of age; they were mentally sharp and outgoing. Also, only 10% of the people complained of hearing problems and only 4% reported that they had poor eyesight.

Here are some of the vitamins and minerals found in   consists of Vitamin   Vitamin  Calcium, Magnesium, Biotin,  , enzymes and also it’s actually a better alternative to taking a supplement in capsule form because it’s better to obtain friendly bacteria from actual nutritional sources. It’s actually better than Yogurt for supporting digestive health. This is because it consists of 30 cultures of beneficial friendly bacteria that support gut health whereas Yogurt has only 10 cultures of friendly beneficial bacteria.

The key to excellent health is a properly working digestive system. This is due to the fact that 70% of the body’s immune system is found in the digestive tract. In terms of  content the   content in   assists with improving digestive function. In order to function efficiently the digestive tract needs a good healthy composition of good healthy bacteria. There are 2 different types of bacteria in the gut. There is good bacteria and bad bacteria. Most digestive problems are related to the concentration of too much bad bacteria in the gut.  helps to  the healthy ratio of good to bad bacteria in the gut thereby improving the efficiency of our digestive system. What does this have to do with improving eye health? Well, this helps our visual system because our eyes rely on a properly working digestive system for the proper absorption of vision supporting nutrients. Additionally consists of Vitamin A an essential eye health promoting nutrient that promotes night vision and helps relieve dry eye.

If you are interested in improving your immunity and improving the function of your digestive system for maximum general health, taking the necessary steps to incorporate   into your diet is a good idea.




Bottom Line Health

Choosing a health insurance plan is not as easy as it used to be. The distinctions among health plans have begun to blur as
health benefits companies compete for your business.

Although there is no “best” health benefits plan, there are carriers that are a better fit than others for your business and your employees’ health care needs.

As chief executive officer of VISTA, a health benefits company, I am not immune to the skyrocketing cost of health care. As an
employer, I face the same challenge you do of keeping health care costs affordable for VISTA’s 1,000 Florida employees. My responsibility also extends to more than 10,000 South Florida employer groups and 330,000 VISTA members.

While many  presidents and  complain about the cost of providing health benefits for their employees, they are rarely
engaged in the process of selecting a health benefits company.
Fortunately, South Florida employers enjoy a highly competitive marketplace when it comes to purchasing health benefits. While
there are many carriers to choose from, the differences among each are few. The network of providers, plan designs and services are all very similar.

So all things being equal, why pay more? How do you know which health benefits company is the right fit for your business?
Ask yourself these questions.

As an employer, how much can I afford to contribute to the premium?

What benefits will serve the majority of my employees?

Will offering employees more choices save or cost me money?

Does the plan have an adequate number of providers?

Evaluating cost

Business owners are searching for ways to reduce their health care expenses. Look for a carrier that administers your health benefits plan efficiently.

Administrative charges are a carrier’s overhead costs. They are included in your premium and can vary significantly. These charges include processing and paying claims, answering
customer calls, marketing and advertising costs, and broker commission payments. Carriers with lower administrative costs usually are much more affordable than those with high administrative costs. When reviewing proposals from health
benefits companies, ask what they will charge you for administrative expenses.

Offering employees a choice

Giving employees the freedom to choose their health plan will help educate them about the valuable benefit you offer, satisfy
their need for health benefits and keep your premium contributions within your budget. Plan choices may vary by co-payment, network access and employee contribution. It will be the employee, not the employer, who is responsible for evaluating and choosing his or her health benefits plan.

Employees will have to determine how often they use health care services, what they estimate those costs to be and how they want
to access and pay for those services.

An adequate provider network

No health benefits plan covers every health expense an employee may have or includes every physician. You are purchasing group
coverage. As a business owner, you must evaluate whether the health benefits   you are considering offers an affordable level of benefits and a network that provides adequate
accessibility for your employees.

Your bottom line

In South Florida, there can be as much as a 15 percent difference in cost among the health benefits companies you have to choose from. The health plan you select should be cost-competitive and offer a choice of health plans and an extensive provider network to meet the needs of your group.

Whether your company has 20 employees or 1,000, your level of engagement in the decision-making process is vital in determining how health care costs will impact your company’s
bottom line. Standing on the sidelines could be a price you cannot afford to pay.

RONALD J.   is CEO of VISTA, a health benefits company headquartered in South Florida with more than 330,000 members. His expertise in health care and insurance spans 30 years.  was a member of the Gov.  ’ Task Force on Claims Payment and the Small Group Insurance Reform Committee under Florida Insurance Commissioner Tom Gallagher. He also served as chair of Florida’s Consumer Assistance Plan. VISTA, through its affiliated companies, Vista   Inc., Vista  of South Florida Inc. and Vista Insurance Plan Inc., offers a choice of health benefit plans including health maintenance  (HMO), preferred provider  and point-of-service  . Contact  through VISTA’s Web site


Succeeding Online: Why You Should Mind Your Customer’s Perspective

I’m a teacher, and in the early days of my career, we crammed the children’s heads with knowledge. That’s what’s called teacher-centred teaching. It turned out imbeciles. Things have changed now and teachers use the learner-centred method instead which involves the children in the learning process and produces better students. The same phenomenon is true in online work. If you want to succeed online, take a cue from this: you must sell from your customer’s perspective and not yours.

But instead of that, what do we see? Most of the content online straight go into selling prospects on the “features” of a product. Also when creating content, people either forget about the reader or they get so immersed in the “process” that they don’t give any thought to them.

Yet to sell online people should be uppermost in your mind.

Know that people that you are looking delectrician  to recruit into your business are real. They have feelings. They have thoughts. They have doubts. They are looking for help. So if you can connect with them, that’s to say, if you can put yourself directly in their shoes by finding answers to what they are thinking, they can and will not hesitate to buy from you. Have the perspective on your audience, get under their skin and put your finger on what they are thinking when they come to visit your site. Doing this successfully will enable you connect with your prospects through the story lines within your content.

Now, let’s look at some of the things that people think when trying to start a business online.

How different is this opportunity?

The person considering your proposal has tried other online opportunities before coming to your site. They either failed or didn’t get much from what they did before. As once bitten twice shy, they scrutinize your offer for what sets it apart to assure them success.

I am not going to throw my money out the window anymore

People coming to online work are usually seeking to change their financial situation. Instead of that, uncouth people made them spend money on one thing or another, purported to bring success. As these opportunity seekers kept on spending and success kept on eluding them, they became very bitter. Although they haven’t abandoned the dream totally, now they are very choosy.

I wish this was it

As potential web workers search online, they wish they could find something really interesting which could also make them make money. This is the state of mind in which they consider your offer. Let’s take an analogy: supposing you went to a dealer to buy a car and didn’t like the different models proposed to you. Your question would be: if only I could find that one car. And what would you do if you found it?

I wish there’s nothing technical in it

I have myself been forced to abandon certain businesses or at least certain aspects of them because they demanded technical knowledge. People fear the technical aspects of internet businesses and baulk at the idea of having to learn something new they think they cannot master, or at least, for the time being when all they wish for is the uncluttered road to success.

What will friends and family say?

People who have tried web-based businesses before had excitedly explained the benefits to friends and family. Generally family and friends try to discourage them. But the online opportunity seeker believed so strongly in their dream that they kept on. Imagine what blatant failure means to such a person! If they don’t lose their enthusiasm for online work, at least they henceforth approach it with utmost caution. So when your offer isn’t made from their perspective, it triggers the small voice in their head, “What would friends and family think when I say I’m trying another new business online?”

Will my spouse accept another “online thing”?

The family’s finances suffer when a person’s online efforts continually go up in smoke. The bitter partner vows never to let them get into that “folly” again. But from my own personal experience, if one believes strongly in internet work, it’s difficult to give it up. But before getting into another business, they want to make double sure it isn’t going to make their spouse believe that they really had gone crazy.

Can I get help without people bombarding me with things to buy again?

Who likes to go from the frying pan to the fire? Many people trying online work are looking for help to move from “dire” circumstances to profit-making situations. Their burning desire is to meet someone who can make their dream come true without any up sells which risk sinking them further into debt. So their thought often is, “What’s the catch?” Does your offer assure them there’s none?

Those are just a few of the worries people have when they are trying to join an online opportunity and even when they sign up to one. Many other thoughts bother them.


While there are club in numerous spots a couple of spots have become notable explicitly

While there are club in numerous spots a couple of spots have become notable explicitly for gclub betting. Maybe the spot nearly characterized by its club is Monte Carlo, however different spots are known as betting focuses.

Monte Carlo, Monaco

Primary article: Monte Carlo Casino

Monte Carlo Casino, situated in Monte Carlo city, in Monaco, is a club and a vacation spot.

Monte Carlo Casino has been portrayed in numerous books, including Ben Mezrich’s Busting Vegas, where a gathering of Massachusetts Institute of Technology understudies beat down almost $1 million. This book depends on genuine individuals and occasions; in any case, a considerable lot of those occasions are challenged by primary character Semyon Dukach.[18] Monte Carlo Casino has likewise been highlighted in different James Bond books and movies.

The club is referenced in the melody “The Man Who Broke the Bank at Monte Carlo” just as the film of a similar name.

Campione d’Italia

Fundamental article: Casinò di Campione

Casinò di Campione is situated in the little Italian territory of Campione d’Italia, inside Ticino, Switzerland. The gambling club was established in 1917 as a site to assemble data from unfamiliar representatives during the First World War. Today it is claimed by the Italian government, and worked by the district. With betting laws being less severe than in Italy and Switzerland, it is among most well known betting objective other than Monte Carlo. The pay from the gambling club is adequate for the activity of Campione without the inconvenience of duties, or acquiring of other revenue.


Multiplayer Slots – Win An Extra Bonus!

Multiplayer Slots – Win An Extra Bonus!

Slots are exciting and fun, but even more fun if you play with your friends, or make new ones online.

Multiplayer slots allow you to do this and Community slots allow you to earn other แนะนำเกม YEH HSIEN players in the slot room a bonus (as well as winning yourself) and they can do the same for you.

Multi-Player Standard Slots

Multi-Player Standard Slots is a global Slot Bank game where Players play with others online.

* The slot rooms consist of a fixed number of slots.

* A Player is only able to sit at one slot machine per room.

* All slot machines are visible to all the Players.

* A game is defined as the Players slot spinning once. It begins when reel 1 starts to spin and ends when reel 3 stops.

* To take part in a game a Player is required to place a bet. The amount wagered is the same for all Players in all rounds, and is determined by the slot room.

* The slots spin individually as each Player chooses to spin.

* The payout is according to the pay table

* There are different slot rooms with FIXED coin sizes per slot room. You decide on the required coin size you wish to play.

* When a Player clicks the STAND UP button, they are immediately removed from the room. The SEAT AVAILABLE banner is replaced on the slot.

Multi-Player Community Slots

Community Slots are slots game that has regular and community payouts.

Community payouts are payouts for community winning symbol combinations.

If a Player has a community winning symbol combination on the pay line then all Players in the Slot Bank that have placed a bet on the winning spin are paid the community payout. This is regardless if they have won or not.

* The slot room is fixed in size.

* A Player is only able to sit at one machine per room.

* A game is defined as each active slot spinning once simultaneously. It begins when reel 1 of each active slot starts and ends when reel 3 of each active slot stops.

* To take part in a game a Player is required to place a bet. The amount wagered is the same for all Players, and is determined by the slot room.

* Each game is played on an individual basis, and wins are according to a standard pay table, except for community payouts. These are the top three wins depending upon the game and the slot room.

This payout is for each of the Players present in the slot room who took part in the spin where the payout was won.

* Each win combination has a standard payout and may have a Community payout. The Player with the winning combination receives the Player Payout and the balance is the Community Payout.

* A minimum of two players per room is required to start the game.

* There are different slot rooms with FIXED coin sizes per slot room. You decide on the coin size you wish to play

* If a Player clicks the SIT OUT button, they will sit out the next game.