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MoneyMat t er s

Payi ngbycar d?You’ r el essl i kel yt or emember t heamountpai d Ac c ur at el yr emember i nghowmuc hmoneyy ous penddepends onwhet hery oupaybyc ar dorc as h.Res ear c hbyt heUni v er s i t y ofCol ogneandt heAl penAdr i aUni v er s i t ätKl agenf ur thas s hownt hatt her ec al l ac c ur ac yr egar di ngt heamounts penti s l owerf orpay ment sbyc ar dt hani ti sf orpay ment sbyc as h.

Res ear c her sDr .Ruf i naGaf eev a,Pr of .Dr .Er i kHoel z l andPr of .

Dr .Hol gerRos c hkc ar r i edoutaf i el ds t udyt odet er mi ner ec al l ac c ur ac yi nr el at i ont or ec ent l ymadepay ment s .Bygat her i ng dat ai nc af et er i asataGer manuni v er s i t ydur i ngt hes ummer sof 2015and2016,t heyanal y z edi nt er v i ewswi t h496s t udent st hat wer ec onduc t edi mmedi at el yaf t ert heac tofpay i ng. “ Wewer eabl et os howt hati ndi v i dual swhopaybyc ar dhav ea l es sac c ur at er ec al l oft heamountpai dt hani ndi v i dual swho s et t l et hei rbi l l wi t hc as h” ,t heaut hor ss ummar i z e,whos ayt hat t her es ul t sar er el ev antf ort hef i nanc i al wel l bei ngofev er y one. “ Apr ec i s er ec ol l ec t i onofpas ts pendi nghasanef f ec tont hewi l l i ngnes st os pendmoneyi nt hef ut ur e. ”

Smar tc ar dsar emul t i f unc t i onal andmayal s oi nc l udef ur t her nonpay mentf unc t i onss uc hasbonuspr ogr amsorus eri dent i f i c at i on.Thes ef unc t i onspl ayac r i t i c al r ol e:“ I ndi v i dual swhous e t henonpay mentf unc t i onsoft hemul t i f unc t i onal c ar dar el es s l i k el yt or emembert het r ans ac t i ondet ai l sac c ur at el y . ”Mor eov er , t hi smul t i f unc t i onal i t yal s oappl i est oot herdi gi t al dev i c ess uc has s mar t phonesors mar twat c heswhi c hc ani nt egr at et hepay ment f unc t i onwi t hot hernonpay mentf unc t i ons . “ T ohei ght enourawar enes s ,weneeddes i gnst hats epar at et he pay mentf unc t i onf r om ot herf unc t i ons ,ort hatv i s ual i s et heac tof s pendi ngmoney ,s uc hasi mmedi at epay menti nf or mat i onor t r ans ac t i ons ummar i es . ” Thes ef i ndi ngswer epubl i s hedi nt heJ our nal Mar k et i ngLet t er s .

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LocalBusi ness

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LocalBusi ness

MoneySt r uggl esAr eSt i l lSeenAsA TabooI nTheUK,Put sSt r ai n OnRel at i onshi ps •Moneyt r oubl ei st henumberonec aus eofdi v or c ei near l y mar r i age •4i n10ofusar eputof fbor r owi ngf r om f r i endsbec aus eof awk war dc onv er s at i ons •Womenar emor el i k el yt obeembar r as s edas k i ngf ormoney t hanmen

Whi l et her eas onsf ort hi sc anc omef r om agoodpl ac e,wi t hov er af i f t h( 21%)ofusnotwant i ngt obr eakourf ami l yorf r i ends ’ t r us t , t hi sc anendupdoi ngmor ehar mt hangoodast hos emoney t r oubl ess pi r al outofc ont r ol .Al mos tat hi r d( 29%)ofusk eep c r edi tdebtas ec r etf r om t hei rpar t ner s ,whi c hunder mi nest r us t andc anl eadt or el at i ons hi pbr eak down.

Al mos tal l ofuswi l l hav es omek i ndofmoneyt r oubl ei nour l i v es :depl et eds av i ngs ,badc r edi t ,orunex pec t edc os t st hat der ai l ourpl ans .Whent hes epr obl emsoc c ur ,t hef as t es t ,s i mpl es t ,andmos ts ens i bl eopt i oni sal way st obor r owmoneyf r om f r i endsorf ami l y .Butbor r owi ngmoneyi ss t i l l at aboot opi c ,and ourr el uc t anc et ot al kaboutourownmoneyt r oubl esi shav i nga dr amat i ci mpac tonourr el at i ons hi ps .

Cr edi tex per tKat r eKaar enper k Vanat oaof f er st hi sadv i c e:

Newr es ear c hs howst hatbor r owi ngmoneyi ss t i l l at r i c k yt opi c , wi t h62% ofusembar r as s edt oas kf ormoneyf r om f r i endsand f ami l y ,ev enwhenwer eal l yneedi t .Womenar emor el i k el yt o beembar r as s edt hanmen,wi t h70% ofwomens ay i ngt hey woul dbet ooembar r as s edt oas kf ormoneyc ompar edt o54% ofmen.Bot hmenandwomenar eex ac t l yasl i k el y( 19%)t of eel t heyc an’ tbes eenenj oy i ngt hems el v esbyt hel enderunt i l t hey ’ v epai dt hemoneybac k .

‘ I t ’ shar dt ot al kaboutmoneyt r oubl es ,es pec i al l yi fy ou’ r ei nar el at i ons hi p.Butk eepi ngs ec r et sc anc aus el as t i nghar mt oar el at i ons hi p,nott oment i ony ourc r edi tr at i ng.Fac i ngt hepr obl em, t al k i ngabouti t ,andwor k i ngonas ol ut i oni st hebes twayf or war d,andal oanc anbea r eas onabl epl ac et os t ar t t ak i ngbac kc ont r ol . ’ Moneyt r oubl ei st he numberonec aus eof di v or c ei near l ymar r i age, andwhi l e40% ofusar e wor r i edaboutawk war d c onv er s at i onsabout money ,i tc anof t enbe t hes t ar tofas ol ut i on.

Thebes twayt odeal wi t hmoneyt r oubl ei st o t al kabouti t ,getadv i c e, anddeal wi t ht he pr obl em headon.

Al l s t at i s t i c sunl es s s pec i f i edar ef r om r es ear c hc ommi s s i oned byPeac hy ,whomus tbe c r edi t edf orus e.Peac hy i sas ec ur el enderandi s c er t i f i edbyt heFi nanc i al Conduc tAut hor i t y( FCA) .

Theyf ol l owt heCFAc ode ofpr ac t i c ef orl endi ng.

Thei rl oanagr eement s ar emadeundert he r egul at i onsoft he Fi nanc i al Conduc t Aut hor i t y .Theyar eal s o r egi s t er edwi t ht he I nf or mat i on Commi s s i oner sOf f i c e ( Regi s t r at i onZ2642498) andc ompl ywi t hDat a Pr ot ec t i onAc t1998and t hePr i v ac yand El ec t r oni c Communi c at i ons Regul at i ons2003.

Rel eas ef r om Ki nCommuni c at i ons

J OBS NOW

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J obsNowMagaz i nei sadi gi t al publ i c at i on,r el eas edona week l ybas i s ,pr ov i di ngours ubs c r i ber swi t ht hel at es ti n oppor t uni t i es .

J obsNowMagaz i ne–Wal es&TheWes tc at ert o:Cor nwal l , Dev on,Dor s et ,Somer s et ,Br i s t ol ,Wi l t s hi r e,Gl ouc es t er s hi r e.

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Dor set

Br i t ai nt opst hepol l sf orpetf r i endl ypl aces accor di ngt o10, 000ani mall over s ●Apubi nEas tLondon,c af esi nBr i ght onandwal k si nSc ot l andandCor nwal l t opt he l i s t ●Petl ov er sf r om 130c ount r i est ookpar t ●Tr us t edHous es i t t er s ,t hewor l d’ sl ar ges thous eandpets i t t i ngc ompanyc ompi l edt he dat aov ert woy ear s TheCamel Pubi nBet hnal Gr eeni st hemos tr ec ommendedpubf orpet s ,Br i ght onhas t hemos tdogf r i endl yc af esandt heEdenPr oj ec ti st hebes tpl ac et owal kaf our l egged f r i end,ac c or di ngt oal i s toft he100mos tpet f r i endl ypl ac esi nt hewor l d* ,r ec ommendedbymor et hant ent hous andofmember sofTr us t edHous es i t t er s . c om. " Fr om ov er54, 000l oc at i onst hatwer er ec ommendedwor l dwi de,30Br i t i s hpl ac es madet het op100l i s t " ,mak i ngt heUKt hemos tpet f r i endl ypl ac ei nt hewor l d,f ol l owed byt heUSAwi t h26l oc at i onsandAus t r al i awi t h20.Aus t r al i at ookt het ops potf ort he wor l d’ smos tpet f r i endl ybeac hes ,whi l ePor t obel l oBeac hi nEdi nbur ghr ec ei v edt he mos tr ec ommendat i onsi nt heUK. Wheni tc omest oaf undayoutwi t hy ourdog,Br i t ai nl edt hewayf orhav i ngmor e pet f r i endl yout doorat t r ac t i onst hananyot herc ount r y ,wi t hs i t esl i k eGl as t onbur yT or , t heCer neAbbasGi antandNewbat t l eAbbeyi nSc ot l and,whi c hwer et hemos thi ghl y r ec ommendedf ordogwal k er s .TheUKal s oc amef i r s tf orpet f r i endl yc af es ,mos tof whi c h–i nc l udi ngSmal l Bat c hCof f eewhi c hwel c omesdogs ,c at sandaf r i endl yf er r et– c anbef oundi nBr i ght on.

Pet erSt ewar t ,Ex ec ut i v eDi r ec t orofOut r eac handDev el opmentatt heEdenPr oj ec t s ai d:" Whatanhonourt obenamedt hewor l d’ st opdes t i nat i onf ordogwal k i ng.We k nowt hatdogsar eabi gpar toft hef ami l yandwe' r epl eas edt owel c omemanyt hous andsoff our l eggedf r i endsofal l s hapesands i z est ot heEdenPr oj ec tt oenj oyt he mi l esofpat hswehav ear oundourgar dens .Manypeopl ebr i ngt hei rdogsonhol i day wi t ht hem andappr ec i at ebei ngabl et ot ak et hem onday sout .Li k ewi s e,wehav emany l oc al v i s i t or swhol ov et ous eEdenasapl ac et obr i ngt hei rdog.Weof f eraf r i endl yand s af eenv i r onmentf oral l ourv i s i t or sanddogss oev er y onec anenj oyourgr eatout door gar dens . " Debbi eConnor ,ownerofTheCamel pubwasdel i ght edt oheart heyhadmadet hel i s t , andex pl ai nedherpubi swel c omi ngofc at saswel l asdogs :“ We’ r ear eal l ypetf r i endl y pub,we’ r enearpar k swi t hl ot sofout doors eat i ng.Dogsandc at sar ev er ywel c ome i ns i deandweal way sof f ert hem bowl sofwat er .Myc at sar ec al l edPi eandSt ev eand St ev epar t i c ul ar l yl ov esdogs .Ther ewasabul l dogundert het abl et heot herdayand St ev ewentt os i twi t hhi m anddr i nkoutofhi sbowl ,wehav ear eal l yf r i endl yani mal and humanc ommuni t y . ” Ti m Ly ons ,Managi ngDi r ec t orofTr us t edHous es i t t er ss ai d:“ Fort hepas tt woy ear s , we’ v el oggedt hous andsofr ec ommendat i onsgi v ent ousaboutt hewor l d’ smos t pet f r i endl ypl ac esandahandf ul ofc ount r i es ,i nc l udi ngt heUK,USAandAus t r al i aar e r eal l yl eadi ngt hewaywi t ht hei rpet f r i endl ypar k s ,r es t aur ant sandat t r ac t i ons .I ti sgr eat t os eeTheEdenPr oj ec tatnumberonegl obal l yf orwal k s ,f ol l owedbyLak eMer r i t tand Pi edmontPar ki nt heUS. ” Thehous eandpets i t t i ngs i t ec r eat edi t st op100l i s taf t erani mal l ov er si n130c ount r i es s har edt hei rf av our i t epet f r i endl ydes t i nat i ons .Thel i s thasbeenr el eas edt oc el ebr at e t hel aunc hoft henewTr us t edHous es i t t er sapp,whi c hgoesl i v et oday ,mak i ngi tev en eas i ert oc onnec twi t hc ar i ng,v er i f i edhous eandpets i t t er swhoar ewi l l i ngt ot ak ec ar e ofpet sf orf r ee,hel pi ngmor eowner st ot r av el mor eof t enwi t hgr eat erpeac eofmi nd.

Av ai l abl eont heAppSt or e,t heTr us t edHous es i t t er sappi sf r eet odownl oadandenabl esowner sands i t t er st oc onnec tands t ayi nt ouc h,mak i ngt hemos tofl oc al poi nt sof i nt er es tandpl ac est owal kpet s–nomat t erwher et heyar ei nt hewor l d.

T os eet hef ul l l i s toft he100mos tpet f r i endl ypl ac esi nt hewor l dv i s i tourwebpage I nor deroft hei rgl obal r ank i ng,t hemos tpet f r i endl yBr i t i s hpl ac esi nc l ude: 1.TheEdenPr oj ec t ,Cor nwal l ( wor l d#1) 2.Wat er c r es sLi ne,Hamps hi r e( wor l d#4) 3.Los tGar densofHel i gan,Cor nwal l ( wor l d#6) 4.Lak eVy r nwy ,Wal es( wor l d#13) 5.Av ebur yMonument ,Wi l t s hi r e( wor l d#14) 6.Gai l ’ sBak er y ,Hov e( wor l d#17) 7.Sc onePal ac e,Per t h,Sc ot l and( wor l d#20) 8.TheBayCaf e,Wes t ons uper Mar e( wor l d#22) 9.Spr i ngf i el dMi l l ,Mi dl ot hi an,Sc ot l and( wor l d#23) 10.Br i mham Roc k s ,Yor k s hi r e( wor l d#24) 1 1.Cer neAbbasGi ant ,Dor s et( wor l d#27) 12.Fox t onLoc k s ,Mar k etHar bor ough( wor l d#32) 13.Bak er&Gr az e,Gl ouc es t er s hi r e( wor l d#34) 14.Loc hNes s ,Sc ot l and( wor l d#35) 15.Newbat t l eAbbey ,Mi dl ot hi an,Sc ot l and( wor l d#37) 16.Fl ourPotBak er y ,Br i ght on( wor l d#47) 17.Por t obel l oBeac h,Edi nbur gh,Sc ot l and( wor l d#51) 18.Br i c k woodCof f ee&Br ead,London( wor l d#52) 19.Gl as t onbur yT or( wor l d#53) 20.Tr ent ham Gar dens ,St ok eOnTr ent( wor l d#54)

21.Bl uebi r dCaf é,Fer r i ng( wor l d#55) 22.Char l es t ownShi pwr ec k ,Cor nwal l ( wor l d#58) 23.Smal l Bat c hCof f ee,Br i ght on( wor l d#60) 24.TheHel i x ,Fal k i r k ,Sc ot l and( wor l d#63) 25.TheCamel Publ i cHous eLondon( wor l d#65) 26.Cas t l eDr ogo,Dev on( #68) 27.Si ps&Bi t es ,London( wor l d#69) 28.Ly nwood&Co,Lec hl ade( wor l d#72) 29.Al ex andr aNur s er i es ,Penge( wor l d#78) 30.Cr aggSi s t er sT ear oom,Suf f ol k( wor l d#89) T enmos tpet pl eas i ngpl ac esi nt hewor l d: 1.TheEdenPr oj ec t ,Cor nwal l ,UK 2.Lak eMer r i t t ,Oak l and,USA 3.Pi edmontPar k ,Pi edmont ,USA 4.Wat er c r es sLi ne,Hamps hi r e,UK 5.Cas hmer eHi l l Look out ,Vi c t or i aPar k ,NewZeal and 6.Los tGar densofHel i gan,St .Aus t el l ,UK 7.Sout hBank ,Br i s bane,Aus t r al i a 8.Ver t eui l s ur Char ent e,Fr anc e 9.Mi s s i onBay ,Auc k l and,NewZeal and 10.I bi r apuer aPar k ,SaoPaol oBr az i l

Rel eas ef r om Tr us t edhous es i t t er s . c om

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Somer set

TopEmpl oyees:Hol don t owhatyou’ vegot Di c kBuc c i ,pr i nc i pal c ons ul t antatPel or usAs s oc i at es ,ex pl or esei ghtway st o r et ai nt opempl oy eesbyhumani z i ngt hewor k pl ac ei naneBooki nas s oc i at i onwi t h wor k f or c emanagementc ompanyT el eopt i .

Thec us t omerc ar ebus i nes si sgoi ngt hr oughanev ol ut i ondr i v enbydi gi t al i z at i on.

Gi v ent hebuz zaboutc us t omers el f s er v i c eandv i r t ual as s i s t ant sy oumi ghtt hi nk t hatunempl oy edc us t omers er v i c er epr es ent at i v es( CSRs )woul dbef l oc k i ngt o l ear nnewc r af t s .Butt hi shasnotbeent hec as e.

Ac c or di ngt ot heUSBur eauofLaborSt at i s t i c s ,i n2016t henumberofpeopl eemm pl oy edasCSRsi nc r eas edby4.

3% c ompar edt oonl y2.

6% f ort heov er al l wor k f or c e.Thi shi ghl i ght showpeopl el edc us t omers er v i c eands uppor ti sf arf r om dead.

Sohowdoy ouhol dont oempl oy eest hatdel i v erper s onal i z edout s t andi ngs er v i c e –whet heri t ’ si nper s on,v i ac al l ,t hr oughemai l orov erc hat ?

T el eopt i ,agl obal l eaderi nwor k f or c emanagements of t war e,hasl ongunder s t ood t hes t r ongc or r el at i onbet weenagents at i s f ac t i onandc us t omers at i s f ac t i on.T el eopt i ’ st agl i nei s“ Humani z et heWor k pl ac e. ”Thi si snotaj abatr obot i c sandar t i f i c i al i nt el l i genc e-T el eopt i i sal eaderi nt hos ef i el dsaswel l .I t ’ saboutappl y i ng t ec hnol ogyt oc ompl ementt hehumant ouc h.

Wek nowt hatf orc ompl exquer i espeopl es i mpl ypr ef ert ot al kt oot herpeopl e. ( Mac hi nesar eal i t t l eweakont heempat hys c al eandof t enc an’ thandl ec ompl i c at edmat t er s ) .Andwek nowt hewor l di sget t i ngmor ec ompl ex .Af t erex t ens i v e r es ear c handi nc ol l abor at i onwi t hT el eopt i wehav ei dent i f i edt hef ol l owi ngei ght way st or et ai nt opempl oy eesbyhumani z i ngt hewor k pl ac e.

Nor t hSomer set

• Sel f Dr i v enCar eerDev el opment-pr ov i det het ool sands uppor tt ohel pempl oy eesmanaget hei rownc ar eerdev el opment • Cul t ur e-mai nt ai nac ul t ur et hatv al uesempl oy ees at i s f ac t i on,f os t er swor k l i f e bal anc eands uppor t st hec us t omerex per i enc e • Empower ment-empowery ourempl oy eest os ol v ec us t omerpr obl ems ,l ett hem i nf l uenc es c hedul i ngdec i s i onsandi nv ol v et hem i ndec i s i onsonhowt oi mpr ov e c ont ac tc ent erper f or manc e • Per s onal i z at i on-t ot heex t entpr ac t i c abl e,s t r uc t ur ewor ks c hedul esandt r ai ni ng t hatr es pec tt heper s onal needsofempl oy ees • St r es sr educ t i on-c ont ac tc ent er sc anbes t r es s f ul env i r onment s ,whi c hc ont r i but est ot ur nov er .Cr eat eawor kenv i r onmentt hatel i mi nat esors har pl yr educ esunnec es s ar ys t r es s • T eam bui l di ng-t hec ont ac tc ent erenv i r onmentpr es ent sauni queoppor t uni t yt o bui l das pi r i toft eamwor kandc amar ader i e.Managementc anhar nes st henat ur al s pi r i toff r i endl yc ompet i t i ont oboos tmor al eandi mpr ov eper f or manc e • Aut omat i on-di v er t i ngr out i net as k st os el f s er v i c eboos t smor al eandr educ es s t r es sbyr el i ev i ngagent sf r om mundaneac t i v i t i es • T ec hnol ogy-f r om t hemec hani c al ACDsoft he1970st ot oday ’ sAI power edc hat bot s ,c ont ac tc ent er shav el ongbeeni nc ubat or sofadv anc edt ec hnol ogy .T oday ’ s mi l l enni al empl oy eesembr ac enewt ec hnol ogyands eekoutempl oy er st hatar e ont hel eadi ngedge.

At t r ac t i ngandr et ai ni ngt opqual i t yc us t omers er v i c er epr es ent at i v eshasnev er beenmor ei mpor t antt ot hes uc c es sofc us t omerengagementt hani ti st oday .

T el eopt i ’ seBookof f er ss omet er r i f i cway st ohol d ont oy ourt oppeopl eandhel pt hem t oper f or m ev enbet t er .Humani z et heWor k pl ac e: 8Way st oRet ai nYourT opT al ent

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Payi ngbycar d?You’ r el essl i kel yt or emember t heamountpai d Accur at el yr emember i nghowmuchmoneyyouspend dependsonwhet heryoupaybycar dorcash.Resear ch byt heUni ver si t yofCol ogneandt heAl penAdr i aUni ver si t ätKl agenf ur thasshownt hatt her ecal laccur acy r egar di ngt heamountspenti sl owerf orpayment sby car dt hani ti sf orpayment sbycash.

Resear cher sDr .Ruf i naGaf eeva,Pr of .Dr .Er i kHoel zl andPr of .Dr .Hol gerRoschkcar r i edoutaf i el dst udyt o det er mi ner ecal laccur acyi nr el at i ont or ecent l ymade payment s.Bygat her i ngdat ai ncaf et er i asataGer man uni ver si t ydur i ngt hesummer sof2015and2016,t hey anal yzedi nt er vi ewswi t h496st udent st hatwer econduct edi mmedi at el yaf t ert heactofpayi ng.

Smar tcar dsar emul t i f unct i onalandmayal soi ncl udef ur t hernonpaymentf unct i onssuchasbonuspr ogr amsor useri dent i f i cat i on.Thesef unct i onspl ayacr i t i calr ol e: “ I ndi vi dual swhouset henonpaymentf unct i onsoft he mul t i f unct i onalcar dar el essl i kel yt or emembert het r ansact i ondet ai l saccur at el y . ”Mor eover ,t hi smul t i f unct i onal i t yal soappl i est oot herdi gi t aldevi cessuchassmar t phonesorsmar twat cheswhi chcani nt egr at et hepaymentf unct i onwi t hot hernonpaymentf unct i ons. “ Tohei ght enourawar eness,weneeddesi gnst hatsepar at et hepaymentf unct i onf r om ot herf unct i ons,ort hatvi sual i set heactofspendi ngmoney ,suchasi mmedi at e paymenti nf or mat i onort r ansact i onsummar i es. ”

“ Wewer eabl et oshowt hati ndi vi dual swhopaybycar d Thesef i ndi ngswer epubl i shedi nt heJour nalMar ket i ng haveal essaccur at er ecal loft heamountpai dt hani ndi - Let t er s. vi dual swhoset t l et hei rbi l lwi t hcash” ,t heaut hor ssummar i ze,whosayt hatt her esul t sar er el evantf ort hef i nanci alwel l bei ngofever yone.“ Apr eci ser ecol l ect i onof pastspendi nghasanef f ectont hewi l l i ngnesst ospend moneyi nt hef ut ur e. ”

Wi l t shi r e

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Sout hWal es

Wor l d’ soi lsuppl yi nvul ner abl e posi t i onwi t hpr i cessett osoar Pol i t i c al i ns t abi l i t yandr ec entr ebel at t ac k si nt heMi ddl eEas thasl ef tt hewor l d’ s oi l s uppl ydanger ous l yunc er t ai n,s ugges t snewr es ear c hf r om ESCPEur ope.

Ac c or di ngt oPr of es s orofEner gyEc onomi c sMamdouhG.Sal ameh,wear eal l atr i s kofs t eepoi l pr i c ei nc r eas es . “ Ther ec entat t ac kont wooi l t ank er seac hc ar r y i ng1mi l l i onbar r el sofoi l i nt he St r ai tofBabal Mandebatt hes out her nt i pofYemenandSaudi Ar abi a’ ss us pens i onofs omeoi l s hi pment s ,hav edemons t r at edj us thoweas yi ti st odi s r upt gl obal oi l t r af f i c . “ Thef ourk eywor l dc hok epoi nt sofoi l ,i nc l udi ngt heSt r ai t sofHor muz ,Bab al Mandeb,Mal ac c aandt heSuezCanal ac c ountf ort wot hi r dsofgl obal oi l t r ade t r af f i c ,wi t hov er44mi l l i onbar r el sofoi l t r av el l i ngt hr ought hes ec hok epoi nt s ev er yday . “ Anyhi ntofapot ent i al out ageatt hes ec hok epoi nt sc anaddaf ewdol l ar sper bar r el asar i s kpr emi um.Thi si sex t r emel ywor r y i ngc ons i der i ngI r anhav ej us t t hr eat enedt oc l os et heent i r eSt r ai tofHor muzasar es ul tofUSs anc t i ons ,ac l os ur el i k et hi sc oul ds endoi l pr i c esf arabov e$150abar r el ” .

Thewor l di sex t r emel ydependentont hes t abi l i t yoft hes ec hok epoi nt sandt he r es ear c her swar nt hatanyunr es tc oul dhav edi s as t r ousc ons equenc es ,f orex ampl e,t heav er agec ons umerwi l l bepay i ngmor ef ort hei rpet r ol andev er y day goodsasak noc k onef f ec t .

Gl oucest er shi r e

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LocalBusi ness

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Ret i r ement

Roundt hewor l dcr ui sei scheaperf orpensi oner st han r et i r ementhome Pensi onerpal swhobookar oundt hewor l dcr ui set oget hercanpayl ess f ort hei radvent ur et hant hecostoft wor oomsi nar esi dent i alcar e home.

Resear chbyCr ui seDeal s. co. uk( ht t ps: / / www. cr ui sedeal s. co. uk)has f oundt hata120dayvoyaget hatvi si t sf i vecont i nent sandi ncl udes f ood,dr i nk,ut i l i t i esandevenl i veent er t ai nmentst ar t sf r om GBP8, 279 perper sonwhent woshar e–adai l yr at eofj ustGBP73perper sonper day .

I ncompar i son,ast udybyWhi ch?put st heaver agecostofar esi dent i al car ehomei nt heUKatGBP85perper sonperday ,whi chi sanext r a expenseofal mostGBP1, 500f ort hesame120dayper i od.

I anCr awf or dofCr ui seDeal s. co. uksai d:" Ret i r eeswhoar el ooki ngt o addsomespar kt ot hei raut umnyear sshoul dt aket ot heseas.Wi t ht he whol ewor l dt oexpl or e,i ncr edi bl eent er t ai nmentt oenj oyandnew f r i endst omeet ,ar oundt hewor l dcr ui sebookedwi t haf r i endi snotonl y cheapert hanar esi dent i alhome,i t ' ssomuchmor ef un. "

t her ear esi x ent er t ai nment venuesi ncl udi nga Pal l adi um st agef or bal l r oom danci ng andaDome Obser vat or yf or admi r i ngt he amazi ngni ghtski es.

Thecr ui sel eaves f r om Ti l bur yi nt he UKon6Januar y 2020andvi si t scount r i esi ncl udi ngCol umbi a,Aust r al i a,Chi na,I ndi a, I sr aelandmor e.Cabi nshaveai r condi t i oni ngandensui t ef aci l i t i eswi t h ashower ,wi t hamai dser vi cet okeepr oomsi ncheck.

Det ai l soft hecr ui sear eher e: ht t ps: / / www. cr ui sedeal s. co. uk/ deal s/ l at est deal s/ gr andr ound. . . .

Ret i r eeswhot aket ot heseasonCr ui se&Mar i t i meVoyages’ ‘ Gr and Roundt heWor l dCr ui se’ wi l lvi si t26count r i esdur i ngt hei radvent ur e, t r avel l i ngonboar dashi pt hatboast sf ourr est aur ant sser vi ngdi shes f r om acr osst hewor l d,wi t hgym andspaf aci l i t i est ost ayi nshapeanda st udi or unni ngr egul arar t sandcr af t swor kshops.

Thei deaofr et i r i ngt oal uxur yl i neri snotanewone.Mi l l i onai r eshave beenl i vi ngonTheWor l d,aseagoi ngcondocr ui sel i nersi nce2002,but wi t hst udi osst ar t i ngf r om USD3mi l l i ont hi sl i f est yl ei sadi st antdr eam f ormostr et i r ees.

Fordai l yact i vi t i est heoceangoi ngvesselhasabr i dgeandcar dsr oom, l i br ar y ,t woswi mmi ngpool sandout doormovi escr een,andatni ght

Rel easef r om Cr ui seDeal s. co. uk

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Weddi ngGui de

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Weddi ngGui de

Wal ki esdownt heai sl e:Ri se ofpet satweddi ngsr eveal ed AsRoy al Weddi ngf ev ers weepst henat i on,newr es ear c hr el eas edt odayhasr ev eal edt hat4i n10oft heUK’ spetowner swoul dwantt hei rbel ov edpetatt hei r weddi ng!

As ur v eyofUKpet owner s *c ommi s s i oned byr awandnat ur al pet f oodex per t sNat ur es Menu,hasf oundt hat al mos thal fofpetl ov er s ( 40%)woul dhav et hei r f our l eggedf r i endpl aya par ti nt hei rs pec i al day .

Oft het r adi t i onal weddi ngdayr ol es , of f i c i al r i ngbear eri st he mos tpopul arpar toft he of f i c i al pr oc eedi ngst hat we’ dgi v et oourpet ( 22%) .Thi swasf ol l owedbyt hei rappear anc ei nt heof f i c i al phot ogr aphsont he bi gday( 20%) ,engagementphot osands av et hedat es( 1 1%)andev enwal k i ng downt heai s l easabr i des mai d( 1 1%) .5% al s os ai dman’ sbes tf r i endwoul dbe t hei rbes tmanorgr ooms manont hei rweddi ngday .

What ’ smor e,i tappear st hey oungergener at i onar emor ei nc l i nedt owantt hei rpet att hei rf ut ur eweddi ng,wi t h56% of1824y earol dss ay i ngt heyc oul dn’ ti magi ne t hei rbi gdaywi t houtt hem –s oas ur gei npetat t endanc emaybeont hec ar dsi n y ear st oc ome!

Thet opr eas onsf orc oupl est oc ons i derhav i ngt hei rpetatt hei rweddi ng: 1.Pet sar eak eymemberofourf ami l y ,s ot heyhav et obet her e!( 56%) 2.Mypetwi l l k eepgues t shappy–t hey ’ r ej us ts oc ut e!( 44%) 3.Iwoul dmi s st hem t oomuc hi ft heywer en’ tt her e( 31%) 4.Mypetwi l l l ookgr eatal l dr es s edup!( 17%) 5.They ’ dc er t ai nl ymak et hephot ogr aphsmor ei nt er es t i ng( 17%) Mi c hael Hens on,aDi gi t al Mar k et i ngManagerf r om Car di f f ,i shav i nghi sbul l dog Br unoasagr ooms manathi supc omi ngweddi ng: “ Whenmyf i anc éeandIgotengaged,wek news t r ai ghtawayt hatwewant edour muc hl ov eddogBr unot obeapar tofourday .Weev ens pec i f i c al l yc hos eav enue t hatwasdogf r i endl y .Hei sgoi ngt obeanof f i c i al gr ooms manandwi l l bes t andi ng wi t hmeandmybes tmanatt hebot t om oft heai s l ewat c hi ngmywi f et obewal k down! ” Cl ai r eMi l l er ,HeadVetatNat ur esMenu,s ai d:“ I t ’ snos ur pr i s et hats omany peopl ewoul dc ons i derhav i ngt hei rf our l eggedf r i endat t endt hei rweddi ngday andev engi v et hem ar ol et opl ay . “ Pet sar enol ongerj us tpet sandar enowc ons i der edani nt egr al par toft hef ami l y .

Hav i nganani mal ar oundt hehous ehasbec omeac ommonpar tofmanyc ul t ur es andourbondwi t hourf ur r y f r i endshasgr ownov ert hey ear s .Wel ov et hem j us t asmuc hasmuc hashumansandi ti si mpor t antt hatwepr ov i deourpet swi t ha good,heal t hydi ett hatpr ov i dest hem wi t hal l t henut r i ent st hatt heyneedt o t hr i v e. ” Nat ur esMenupetf oodi spac k edwi t hr eal ,humangr ademeatandper f ec t l ybal anc edt omeety ourpet ' snut r i t i onal needs .I t sv etappr ov edc ompl et emeal sar e f r eeofaddeds ugar sandf l av ourenhanc er sandc ont ai nabs ol ut el ynof i l l er s ,meat meal sormeatder i v at i v es .

Formor ei nf or mat i onpl eas ev i s i tNat ur esMenu * Res ear c hbyTheLeader s hi pFac t orc onduc t edi nApr i l 2018wi t hov er1, 000UK petowner s .

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Car e

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