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Will the top savings account soon pay less than 1%? Savers at the mercy of inflation as market-leading easy-access rate is slashed from 1.20% to 1.05% RCI Bank - which funds Renault car finance deals - followed Marcus Bank The Goldman Sachs-backed bank cut its easy-access rate to 1.05% on Tuesday Ford Money pulled a 1.07%-paying account which launched just two weeks' ago Both banks have likely been hit by a drop in demand for new car finance  By  sahil Choudhary   Savers were left facing interest of barely more than 1 per cent on their day-to-day savings today as banks continued to pass on the Bank of England's emergency interest rate cut. The best-buy easy access account now pays a mere 1.05 per cent after RCI Bank - the banking arm of car firm Renault -  slashed the rate from a market-leading 1.2 per cent.  With consumer inflation running at 1.5 per cent in March that means savers who want access to their deposits are suffering rapid declines in the value of their savings.  E

Lockdown target pressure: RBS staff member claims they're cold calling customers from home to sell products that at one point TARGETED key workers By sahil Choudhary  The Royal Bank of Scotland has been accused of using sales target pressure for business f under coronavirus-lockdown at home. A whistleblower lifted the lid on the sales culture and claims that staff are having meetings over Zoom first thing in the morning to talk over targets, how many customers they're expected to contact and last thing in the evening to reveal how they've done. They add there was even a campaign to target key workers, including nurses, in the height of lockdown.  NatWest/RBS refute the claims and say they are contacting customers simply to 'assess their needs.' Targets? A worker for RBS, which also owns NatWest, says they're 'cold calling' customers from home to 'upgrade' current accounts and give them a financial health check It is not clear how many senior pers

Why is the pound slipping? Bond investors pay to lend the Government money and interest rates could go negative with Brexit hitting sterling again too In March, pound sterling hit its lowest level against the dollar in thirty-five years The government has repeatedly said there will be no extension to the Brexit talks The strength of a country's currency and its rate of interest tends to be inverse  By  sahil Choudhary   The Bank of England issued negative-yield bonds for the first time in its history this week. This means that investors are paying the Government to lend it money - on the basis that it's safer there than anywhere else. It follows the slashing of interest rates to a record low of 0.1 per cent and hundreds of billions in Bank of England stimulus and fiscal measures to mitigate the fallout from the coronavirus pandemic. The Bank of England's chief economist Andy Haldane has explicitly not ruled out interest rates dropping into minus territory. The pound hit its

Bargain hunters rushing to snap up cheap shares following stock market rout boost investment platform AJ Bell By  Sahil Choudhary  AJ Bell has pulled in a record number of savers as Britons rushed to snap up cheap shares following the stockmarket rout. More than 30,000 new customers bought shares and funds through the investment platform in the six months to March 31, which included the period after the stock market meltdown in late February. And the platform's popularity has continued during the lockdown, as AJ Bell's chief executive and founder Andy Bell said Covid-19 was making households pay more attention to their finances. Cheap shares: More than 30,000 new customers bought shares and funds through investment platform AJ Bell in the six months to March 31 Bell said: 'People tend to come to an investment platform shortly after a life event that's happened which makes them review their finances – whether it's a redundancy or a marriage or a retirement or a divor

Where would YOU now buy a dream home? Five property experts reveal where they'd invest, including Alderley Edge, Dunsford and Reading We spoke to five property experts about where they would move to They included people from estate agents Jackson-Stops and Savills Favoured locations are Devon's Dunsford and West Sussex's Haywards Heath The housing market has only just reopened after the  coronavirus  lockdown and it appears buyers are changing their views about where they want to live. Countryside locations with large gardens and additional indoor space are top of the list of preferences after being told to spend so many weeks at home. A recent survey by Savills suggested that 71 per cent of younger buyers crave more outdoor space and rural locations, while 39 per cent of those aged under 50 now want a bigger home. Our experts reveal their top picks on where to buy, including Somerset, where this five-bed house is for sale via estate agents Savills for £1.95m But in their d

How To Get A Custom Email Address Insight   | by sahil Choudhary  Despite being something that we all use every day, registering an email address is something that most people only spent a few minutes thinking about years or even decades ago. At a certain point, though, applying for jobs with  loudmetal123@aol.com  or  cutiepie1986@yahoo.com  becomes less than ideal. So it’s time to find a new email address. It’s going to take some effort bringing all of your contacts and subscriptions up to speed, so you want to make sure it’s something that will last. Something that you won’t get sick of in a few years. Something that you’ll never have to change no matter what, even if your email provider goes out of business. It’s time to get a custom email address using your personal domain name. Email Addresses Structure Before you register a unique email address, it’s important first to have a basic understanding of how an email address is structured so you’ll know what we’re talking about once w

What Is Domain Flipping? Insight   | by sahil Choudhary  Domain name flipping can be a very hot-button issue for many people. Some have made careers out of it, while others consider it to be taking advantage of those looking for a great domain name for their website. A domainer, or domain investor, essentially buys domains for the purpose of their future value and views domain names as an investment. Don’t know what all the fuss is about? Not to worry: in this tutorial, we’ll explain what domain flipping means and how the process works. Domain Flipping Definition Domain flipping is the process of purchasing a domain name with the intent of quickly selling it at a significantly higher cost. This is similar to house flipping, where a home is purchased and fixed up in order to sell for a quick profit. Unlike house flipping, however, there is essentially nothing to be done with the domain name in order to increase its value. Therefore, the key to a successful domain flip is being in the ri

How do you Perform Market Research? After you’ve perfected your product or service to the standards and needs of your network, it’s time to deploy surveys and tests into the real world. There are a few ways to perform market research on a shoestring budget. 1.  Create a low cost social media ad based on everything you’ve garnered from your network and learning who your persona is thus far. What you’ve learned from your network should help you understand which platform is best for advertising. Put out a survey or content piece to drive traffic to your website and discover what your potential customers are really interested in, where you lose them, and how you keep them. 2.  Research your competitors to understand how and who they’re targeting, and benchmark your company against theirs. Targeting their audience on social media, with similar keywords on your website, or with SEM ads is a great way to ensure you stack up to your competition and are driving traffic from the right sources. B

How to Manage Remote Employees for your Small Business Insight   | by sahil Choudhary  Work from home, remote work and flexible working hours – these are all oft-repeated buzzwords that you’ll find in any State of Work report published in the last five years. The truth is that these are not just fads any more. As the economy grapples with seismic technological changes, there is a marked shift in the needs and attitudes of employees as well. Remote work is seen as an additional benefit by some workers, but  61% workers have left or have considered leaving a job because of the lack of flexibility . The main reasons that the modern day workforce has come to prioritize flexibility over pay are: Work-life balance Spending time with family Reducing commute times Saving time It’s evident that the need for flexible work options is not a passing fad. Not taking this into account might mean missing out on promising talent for businesses, even small businesses. So, how should companies approach t

The Secret to Online Marketing Success for Small Businesses Insight   | by sahil Choudhary  If you’re doing business online, you’re probably still on the lookout for the magic trick that will bring in surplus sales and boundless success. There are a few  traits all successful small business owners  and entrepreneurs have, but there are steps you can follow to get online marketing success. By now you’ve probably scanned every business book and subscribed yourself to numerous marketing newsletters to study and absorb the  secret . You have studied the routines of most successful entrepreneurs and reverse engineered their process. After all this searching you are probably convinced that there is no such magic, no deep secret to enormous online marketing success. Except, there is. As a matter of fact, there are three secrets that work in in-sync for the magic to happen. To be candid, possession of these three secrets differentiate winners from losers. Master them and you’ll notice the chan

Helpful Tips for Growing Leads for Your Online Business Insight   | by sahil Choudhary  If you want your business to have a future, you need to work on generating leads. This is an essential practice that should be considered at all times, no matter what you want to do with your online business. If you want your online business to grow, you will need to find new customers, this is a simple fact. These are some of the lead generation tips that can help your business, regardless of whether you are running a B2B or a B2C organization. These tips can help you learn how to grow your leads more effectively. Long-term investment in your website: SEO Search engine optimization is an old online marketing technique that is still very effective. It is basically a long-term process of optimizing your website so that Google ranks you higher in search results. This is one of the best ways to get that valuable organic traffic through natural searches and, of course, generate leads. Content Every seri

How to Protect your Data and Privacy Online Insight   | by sahil Choudhary  It seems like every other day there is a trending news story about another privacy breach, a company using your data inappropriately, or a company getting flack for their privacy policies. As a consumer, it can be difficult to know who to trust with your data. You can’t  not  have any online presence or avoid using the Internet altogether but you should take the necessary precautions to protect your data. See our suggestions below for how you can better protect your accounts and your data online. Here at  Hover , we care a lot about your data security and privacy. We want you and your domain names to stay safe! Create Strong & Unique Passwords You should always be using a unique password when creating online accounts. It’s peace of mind if any of your accounts get breached to know the rest are safe. This is a tricky one, as people tend to have multiple accounts between their professional and personal life a

How to Master Customer Service Skills at Your Tech Company Insight   | by sahil Choudhary  Mahatma Gandhi once  remarked ,  “A customer is the most important visitor on our premises. He is not dependent on us. We are dependent on him. He is not an interruption in our work. He is the purpose of it. He is not an outsider in our business. He is part of it. We are not doing him a favor by serving him. He is doing us a favor by giving us an opportunity to do so”. This quote captures the essence of customer service aptly. What is customer service? Customer service is the support extended to customers before and after they buy your product and/or use your services.  Customer service holds prime importance if you want to both retain your customers and grow your business. With the rising competition, customer service strives to go beyond just providing answers; it is about creating an overall fulfilling experience for your customer and keeping the promise you make to them as a brand. Today, cus