How to save money

The average worker in the UK is paid less and spends more than he or she would have done a few decades ago. Wages are lower in real terms, and the cost of living is higher, meaning that more and more people are looking to make savings where possible. For example, the average house price in the UK was £74,096 in 1999, whereas it is over £220,000 in 2018. Here are some useful tips to help you save more money.

Live by the 30-day rule

Impulse buying is something that you need to stop doing if you want to save money. Use the 30-day rule and stop impulse buying. Basically, when you feel the urge to buy something, like a new pair of shoes or a new video game, wait for 30 days. If, after 30 days, you still want to buy it then go ahead. If you no longer want it then you have saved yourself the money you would have spent on it.


Check for insurance compensation

You might have been mis-sold PPI in the 1990s or 2000s when you took out a loan. If you were mis-sold PPI, then you could be eligible for thousands of pounds in compensation which will certainly help out with your budgeting. It is simple to find out if you are eligible to make a Barclays PPI claim. Make sure you have your claim registered before the August 2019 deadline.

Stop eating out

Eating out is very pleasant but it is also far more expensive than cooking at home. There are plenty of cheap recipes for you to cook that will save you loads in the long run.

Spend your change

Look for all of the change that’s lying around in your house and spend it next time you go shopping. Self-checkout machines will let you pay for your food shopping using a combination of cash and card. You can feed your coins into the machine to have less money debited from the card that you use to pay the remainder.

Pay bills by direct debit

Utility companies will charge you extra for paper billing, so you should use the direct debit option.

Hire out your driveway

This may seem like a mad thing to do but the price of parking is encouraging people to hire out their driveways to people who want to pay less when attending events or that commute into work each day. Sites like yourparkingspace.co.uk allow you to publish your driveway’s details and people will pay to use the parking space.

Sell old stuff

Don’t hoard old TVs and electronics, sell them. You might not get a huge amount of money for a PlayStation 2 but every little helps. An old smartphone could also be worth a fair amount. Use sites like eBay or Gumtree to sell your old stuff or you could even sell them at car boot sales.

Wear more clothes


When it gets colder, it can be tempting to turn up the heating thermostat. However, heating is one of your major household costs and you don’t want to use it unnecessarily. Invest in jumpers, hats, fingerless gloves and scarves so that you can spend more time with the heating turned down.

You Would Be Surprised About the Huge Range of Yachts Available

 
The world of yachts is a varied one, there are many types which will suit numerous uses and a range of budgets.
Day sailing luxury yachts are typically small, at less than 20 feet in length. Occasionally called dinghies, they usually have a very retractable keel, centerboard, or daggerboard. Most day sailing yachts don't have a very cabin, as they're designed for hourly or every day use and not for overnight journeys. At very best they may have a very 'cubby', where the front part of the hull has a raised solid roof to supply a place to store equipment or to offer fundamental shelter from wind or spray cigisped-me.net.
Weekender luxury yachts are slightly larger, at below 30 ft (9.5 m) in length. They often have twin keels or lifting keels this kind of as in trailer sailers. This allows them to operate in shallow waters, and if required "dry out"-become beached as the tide falls. The hull shape (or twin-keel layout) enables the boat to sit upright when there is no water. These kinds of boats are designed to undertake brief journeys, rarely lasting more than 2 or three days (hence their name). In coastal areas, extended trips may possibly be undertaken in a series of quick hops. Weekenders typically have only a straightforward cabin, frequently consisting of only one "saloon" with bedspace for two to three individuals. Clever use of ergonomics permits space within the saloon for a galley (kitchen), seating, and navigation gear. There is limited room for stores of water and food. Most are boats with one mast(not to be confused with the kind of traditional Bermudian ship referred to as a Bermuda sloop), using a solitary foresail from the jib or genoa sort plus a sole mainsail (a single variation of the aforementioned Bermuda rig). Some are gaff rigged. The smallest of this sort, usually called pocket yachts or pocket cruisers, and trailer sailers could be transported on unique trailers.
Cruising luxury yachts Cruising yachts are by the far the most widespread yacht in private use, making up most from the 25 to 45 ft (7 to 14 m) range. These vessels may be very complex in style, as they will need a balance between docile handling qualities, interior area, excellent light-wind performance and on-board comfort. The huge variety of such craft, from dozens of builders worldwide, makes it hard to give just one illustrative description. Nonetheless, most favour a teardrop-planform hull, with a wide, flat bottom and deep single-fin keel to offer good stability. Most are boats with one sail, with a sole fore-sail with the jib or Genoa type plus a sole mainsail. Spinnaker sails, in different sizes, are often supplied for down-wind use. These types are often chosen as family vessels, particularly those inside the 26 to 40-foot (8 to 12 m) array. This kind of a vessel will generally have several cabins below deck. Usually there is going to be three double-berth cabins; just one significant saloon with galley, seating and navigation equipment; plus a "head" consisting of a toilet and shower-room.
Most significant luxury yachts, 50 ft (15 m) (15 m) and up, are also cruisers, but their design varies greatly as they're frequently "one off" designs tailored to the certain needs from the buyer.The interior is usually finished in wood panelling, with plenty of storage area. Cruisers are quite capable of taking on long-range passages of many thousands of miles. This kind of boats have a very cruising speed upwards of 6 knots. This fundamental layout is typical of the standard types produced by the major yacht-builders.
These luxury boats are typically 82 ft (25 m) or longer. In current decades, these luxury boats have evolved from fairly easy vessels with simple accommodation into sophisticated and luxurious boats. This is largely as a result of decreased hull-building costs brought about by the introduction of fibreglass hulls, and elevated automation and "production line" methods for yacht constructing, particularly in Europe.
On the biggest, 130-foot-plus (40 m) luxury luxury yachts, each and every modern convenience, from air conditioning to TV, is found. Sailing luxury boats of this size are often highly automated with, for instance, computer-controlled electric winches controlling the sails. This kind of complexity requires dedicated power-generation methods. In recent decades the amount of electrical gear utilized on luxury boats has increased greatly. Even 20 years ago, it was not widespread for a 25-foot (7 m) yacht to have electrical lighting. Now all but the smallest, most fundamental luxury yachts have electrical lighting, radio, and navigation aids these kinds of as Global Positioning Methods. Yachts around 33 ft (10 m) bring in comforts these kinds of as hot water, pressurised drinking water methods, and fridges.

British Victorian Wedding Gowns UK

 
With many couples desiring to relive the golden ages by having ethnic and vintage weddings, there has been a revival by designers and wedding planners to reproduce ethnic dresses in the whole of Europe. In the UK, prominent wedding designers are now known to have a collection of antique wedding dresses and have come up with ideas on how to incorporate antique outfits with a traditional fairytale or a modern wedding arrangement in a presentable way,Vanila Wedding Shop Dubai.
UK Wedding Dress Styles
There are varieties of bridal designer collections with a UK touch. Wedding dresses from the 16th Century down to the early 20th century have been used in many weddings recently. In the 18th and 19th century weddings, brides wore many colors. It is not until the 20th century that traditional wedding gowns were embroidered in white color. A wedding gown would be passed down the family for generations and preserved for years. Many of these costume collections can be seen in British museum collections, still with their lace and satin in near perfect condition. The art of dress was at a highpoint in the British colonies during the Victorian and Edwardian era that, according to many, has never been equaled. The Victorian obsession with character, morality and grace was due to the ultimate display of the wedding dress. Their magnificence and elegance can be observed in the Cincinnati Art Museum and many websites that offer antique information on British history and traditions.
Corset Styles
In 18th Century English, a new design known as the corset was in use. The dress has an easy shape to wear and looks good on a modern woman due to its boning that releases the pressure off the diaphragm and the waist. The British style corset creates a cleavage that shows off a woman's bust and enhances the overall appearance by compression. The corsets give the illusion of a smaller waist. This is further enhanced by intense decoration of the front with a style plus the incorporation of a new silhouette.
Today, corsets can be cut from original patterns, with or without tabs. Alternatively, they can also be modified to reflect modern styles with waists cut a little lower and even done with elastic inserts for ease and comfort. The wearer has the right of emphasizing bone channels. Having suitable interlinings with adequate boning is the key in any corset design, otherwise the wedding gown will seem to buckle at the waist.
A properly cut English wedding corset has a smooth finish from the neckline all the way down to the base. They can be produced in a wide variety of fabrics and endless ways of decorating them exist. In addition, they come with a combination of sleeve shapes.
Other Contemporary Wedding gowns
Other gowns with medieval overtures are Evelyn and Estella. Evelyn has a laced arm gauntlet with a toning skirt and hanging sleeves, while the Estella has a modern slim fitting fishtail with the elegance and style of a Victorian evening dress. Most of these weddings have undergone minor modifications before their use in modern wedding ceremonies. In any case, their original English classic look is evident and clearly discernible to an observant eye.



Beach Wedding Gowns

 
One of the most important thing that any lady is looking forward to when she tie the knot with her love one is the dress or gown she will wear on the much awaited important event of her life. Every woman from teenage years up to the time she is ready to be wed dreamed of a very unique special gown that will match her personality and life style. One such gown that these women dream of are the beach wedding gowns of the modern era,Vanila Wedding Shop Dubai.
Choosing one's wedding gown depends on the financial capabilities of the bride and groom and the place where the wedding will take place. If the event will be held in the church, traditional and formal wedding gowns from a very simple to a very expensive and elegant attires are expected of the bride, but if it is a beach wedding wearing traditional formal long gowns with so many trimmings and decorations may not be so appropriate, but if the bride so desire by all means the traditional and formal gown is still very much acceptable. Accessories and expensive jewelries go well with beach wedding gowns whether it is a church or beach wedding. Brides must also consider that beautiful and elegant shoes are also part of the gown she will wear on the most memorable day of her life.
Attires that connote love of the sea and its surroundings like dress with Hawaiian motif will surely match beach weddings with these beach wedding gowns. Trimmings and expensive decorations may not be considered on this gown but it could be very colorful and interesting to wear as it goes well with jewelries and accessories that could also be found on the sea from the genuine pearls to merely decorative pieces made of shells. Footwear could be a very simple flipflops or sandals also decorated with pearls or simply no shoes at all.

Planning Your Adventure Travel

 

Image may contain: one or more peopleIt actually might no longer be an exaggeration if it's far stated that it's miles hard to find absolutely everyone who isn't always interested by journeying! there are numerous those who additionally find tremendous delight in 'journey travel' and take it as gently as an night walk. because the name itself shows, adventure journey is a experience that offers an unusual and interesting enjoy to the traveller in search of adventures. There are a amazing many type of reports that fall beneath the class of adventure tour - cultural trips, expeditions, flora and fauna adventures, and energetic adventures to call a few,Select from over 150,000 hotels around the world  reservations.com.

one who desires to go on an adventure travel may additionally sincerely have a totally clean picture of what kind of adventure he plans to take on. you can plan it in your own but it can take a number of time and loads extra difficult than you may believe. To make things simpler and to make the tour relaxed, the pleasant alternative would be to technique a good journey agent. the joys and exhilaration that you might get in your trip can be severs and the experience all the greater exciting.

you may find numerous journey travel corporations equipped to serve however the knowledge lies in selecting a expert tour agent or corporation. expert steering enables the traveler gain private delight.

There are numerous motives which communicate in want of an amazing journey tour agent or journey corporations. a terrific agency is one that organizes everything flawlessly for the traveler. They typically arrange for a tour leader who is well aware of the place, the customs of the people and any unique problems associated with the location, if any. There are lots of us who could be visiting on my own because we're not able to find a exact partner. In such instances, looking for the assist of a very good agent will provide us with prepared-made travelling partners. an excellent business enterprise targets at the private pride of the travelers that come to them. Many journey groups attempt to lure customers by imparting reductions, however reductions every now and then mean slicing at the offerings provided. cheap excursion applications would best rob you of consolation that's generally furnished to the tourist. an amazing journey agent is constantly there for the traveller in case of a problem or if something unlucky is going wrong.

searching for the help of the journey tour expert saves a number of money and time considering they adopt the arrangements like transportation, early bookings on reductions in hotels and lodges, domestic and global journey. in addition they offer the required help with passport and visa programs. In short, they cater to all of the desires of the tourist.

The expert history of the adventure tour agent allows the traveler to get an idea whether or not or no longer the agent is skilled nicely and may make his experience a nice, exciting, comfy and exciting one. A professional agency has its personnel skilled in commercial enterprise management and tourism or their employees must skip a path with the Institute of the licensed journey sellers.It actually might no longer be an exaggeration if it's far stated that it's miles hard to find absolutely everyone who isn't always interested by journeying! there are numerous those who additionally find tremendous delight in 'journey travel' and take it as gently as an night walk. because the name itself shows, adventure journey is a experience that offers an unusual and interesting enjoy to the traveller in search of adventures. There are a amazing many type of reports that fall beneath the class of adventure tour - cultural trips, expeditions, flora and fauna adventures, and energetic adventures to call a few.

one who desires to go on an adventure travel may additionally sincerely have a totally clean picture of what kind of adventure he plans to take on. you can plan it in your own but it can take a number of time and loads extra difficult than you may believe. To make things simpler and to make the tour relaxed, the pleasant alternative would be to technique a good journey agent. the joys and exhilaration that you might get in your trip can be severa and the experience all the greater exciting.

you may find numerous journey travel corporations equipped to serve however the knowledge lies in selecting a expert tour agent or corporation. expert steering enables the traveler gain private delight.

There are numerous motives which communicate in want of an amazing journey tour agent or journey corporations. a terrific agency is one that organizes everything flawlessly for the traveler. They typically arrange for a tour leader who is well aware of the place, the customs of the people and any unique problems associated with the location, if any. There are lots of us who could be visiting on my own because we're not able to find a exact partner. In such instances, looking for the assist of a very good agent will provide us with prepared-made travelling partners. an excellent business enterprise targets at the private pride of the travelers that come to them. Many journey groups attempt to lure customers by imparting reductions, however reductions every now and then mean slicing at the offerings provided. cheap excursion applications would best rob you of consolation that's generally furnished to the tourist. an amazing journey agent is constantly there for the traveller in case of a problem or if something unlucky is going wrong.

searching for the help of the journey tour expert saves a number of money and time considering they adopt the arrangements like transportation, early bookings on reductions in hotels and lodges, domestic and global journey. in addition they offer the required help with passport and visa programs. In short, they cater to all of the desires of the tourist.

The expert history of the adventure tour agent allows the traveler to get an idea whether or not or no longer the agent is skilled nicely and may make his experience a nice, exciting, comfy and exciting one. A professional agency has its personnel skilled in commercial enterprise management and tourism or their employees must skip a path with the Institute of the licensed journey sellers.

Golf Pictures: Ryder Cup

 
Few sporting events reach across the world in the same way that the Ryder Cup does, bringing together communities and nations for the glory and title of being the winning team. Few sporting photos are as iconic as the golf pictures of the Ryder Cup.


Golf pictures depicting the grandeur and history of the Ryder Cup are a peek into international history and camaraderie. In the world of golf, the Ryder cup was a innovative and beautiful response to a need to bring people from across the world closer together. In honor of this years event, We’ve compiled a history of the Ryder Cup as told through golf pictures courtesy of www.sportphotogallery.com

On September 27, 1920 a novel idea was proposed to the British Open. James D. Harnett wrote a letter to the PGA of America, suggesting that, for the first time ever, an American team be allowed to compete in the British Open. The PGA of America responded very favorably to this idea and plans were underway to send a team of 12 American golfers to attend a warm up tournament at Gleneagles. This inaugural match was won by Great Britain. Even so, it was the Americans who, for the first time, won the British Open. By this time the idea had taken hold and Americans and Britains decided to play a four on four stroke competition before participating in the Open Championship. This underwent much needed adjustments and a trophy was donated by Samuel Ryder, thus creating the “Ryder Cup”. However, amongst much with political problems in America, Samuel Ryder decided to withhold the cup until the following year. In 1927,
the competition was organized into a much more formal arrangement. Rules were drawn up and agreed upon, and money was raised to fund the tournament.

As a means to make the matches more competitive, players from continental Europe were included in the match in 1979. Some attribute this change directly to the world of golf and golf pictures focusing their eyes and lenses on Spain's Seve Ballesteros and Bernhard Langer. 

1989 marked an incredibly iconic Ryder cup that was held at the Belfry in England. Tensions were high after, the United States having held the Cup for two decades, lost both the 1985 and 1987 matches. The European team and the US team were so at odds, that competitors Seve Ballestros and Paul Azinger begin to form a heated feud. Frustrations reached their peak as the match ended in a tie, with the European team retaining the cup. The following Ryder Cup, held in 1991 at the Kiawah Island Golf resort, did not see tempers improved. At the ceremonial commencement dinner, two videos were prepared as a welcoming address and highlight reel from previous Ryder Cup tournaments, but were not received well by the European team. Reports surfaced that the videos were very American centric and did not appropriately address other teams. In the opening match Azinger and Ballesteros were set against each other in a foursome match. Azinger and his partner Chip Beck accused Ballesteros of gamesmanship on account of supposedly inappropriate throat clearing during shots. Azinger and Beck repo
rtedly switched their balls, which in direct violation of the “one ball rule”. Ballesteros called the the American team on this violation too long after it had occurred, so no penalty was called, but the intensity of the following rounds created what many consider one of the best pairs matches in history. They Spaniards took the win 2 & 1 which Ballesteros concluded by saying “The American team has 11 nice guys and Paul Azinger.”

In 1999 golf pictures captured the “Battle of Brookline” held at the Country Club in Brookline, Massachusetts. The American team was able to secure the first American victory since 1993. American Justin Leonard was left with a 45-foot putt for birdie. Leonard holed the incredible putt and wild celebration ensued. This celebration was unheard of as the difficult putt did not seal the match. Jose Maria Olazabal was left with a 22 foot putt which he missed, owing to the wild celebration, and the American team cheered again. This sort of behavior, while not illegal, was unprecedented and many European players believed that many of the unwritten rules of conduct were blatantly ignored. Following months of contention and growing nationalism, many of the American players apologized for their behavior and both teams made numerous attempts to calm the adversity. Many matches to follow were evident of these efforts as subsequent Cups were played in the spirit of the game.


As the Ryder Cup continued to see triumphs and failures, many of the future tournaments were much more good natured. Fans still pour from all over the world to celebrate their teams efforts and the nobility of the game. In 2012, Europeans saw an extraordinary come back with key players making names for themselves and their countries. As the 2018 Ryder Cup draws closer we’re excited to see just what each country brings to the table this year, and of course, what extraordinary moments are captured in golf pictures.

Selling your property? Here’s what you need to do

If you’re thinking about putting your property on the market, you’ll most likely be faced with a long to-do list. From getting the right estate agent for marketing it to finding a surveyor who can give you an honest assessment of your property’s potential, there are plenty of things to think about. This article will help you to focus on the main requirements you now face – and how to go about each task.


The valuation

For some people, the first port of call when it comes to getting a valuation completed is an estate agent. The advantage of going to an estate agent for this is that it allows you to take advantage of their local knowledge. But estate agents aren’t always on your side, and they won’t necessarily give you an honest appraisal. In some circumstances, they’ll tell you your property is worth more than it actually is in order to achieve a high commission, but this could leave it languishing on the market for longer. In other circumstances, they may undervalue it in order to secure a quicker sale – and a quicker commission.

A better move is to speak to an independent surveyor. This is helpful to all sellers, but especially so if you’re a buy to let landlord. RVA Surveyors offers a valuation service specifically designed to help landlords with rent reviews. A surveyor’s only material interest is in providing you with a good service, so you know their advice will be accurate.

Marketing and advertising

While estate agents may not be the best port of call for the valuation part of the process, it’s wise to use one when it comes to selling your property. They will probably give you a valuation estimate of their own, but you’ll be able to use your surveyor’s recommendation to compare and decide at what level you would like to offer your home to the market.

The main reason why using an estate agent to sell is a smart move is because they have access to a wide range of marketing channels, which potential buyers are all keenly watching. They will often, for example, have access to a column in the local newspaper, and they will often also have relationships with major property vendor websites, such as Rightmove. Unfortunately, it’s a fact of life that you’ll need to put up with potential buyers coming to look around your home as it goes through the sale process, but it’s something that will pay off in the long run.


It can be a tough market out there when it comes to selling a property, but one of the hardest aspects is getting through all of the administrative tasks associated with the move. From getting a valuation to organizing an estate agent who can show potential buyers around the property, there’s so much to do that it can sometimes feel overwhelming. With a good surveyor and a local estate agent on your side, though, it can become much easier to handle.

Travel Jewelry Cases - Protection on the Go

 
Image may contain: ocean, water and textJourney jewellery circumstances have been used all through historical past to guard an individual's valuables throughout lengthy, typically arduous journeys. Extremely ornamented caskets had been used to move the the Aristocracy's valuable jewels (and had been fastidiously guarded repeatedly by a servant or attendant), whereas the few good items a commoner owned had been fastidiously tucked away inside humble containers. Immediately, small, simply moveable jewellery rolls, designed particularly for touring, will be chucked right into a backpack, a suitcase, a handbag, or a health club bag to maintain jewellery from being broken or misplaced. These journey jewellery circumstances are carried by individuals of all financial courses on journeys that vary from a few hours spent on the health club or in a neighboring city as much as holidays comprising weeks or,probably, months of worldwide journey,Select from over 150,000 hotels around the world  reservations.com .
Journey jewellery circumstances are well-liked as a result of they're helpful for organizing and defending one's jewellery, in addition to retaining items from getting misplaced alongside the way in which. jewellery circumstances will be so simple as jewellery rolls containing internal storage pouches for one's jewellery, or they might be compact"laborious shell" circumstances of wooden or leather-based with cushioned inner compartments. Many more and more elaborate journey jewellery circumstances even comprise smaller circumstances, that are removable, for dropping into a night bag or a handbag.
When on the lookout for touring jewellery circumstances, maintain the next suggestions in thoughts: Is the recipient somebody who travels with just a few items, or somebody who brings totally different objects for each outfit? What items of jewellery does she or he journey with? Select a journey jewellery case that has compartments for that form of jewellery. Take into consideration the recipient's journey type. Does she or he toss a few clothes adjustments right into a backpack or duffel bag? If that's the case, both a jewellery roll or a zippered leather-based pouch could be a more sensible choice than a heavy, wood field. This additionally holds true for somebody who travels primarily by air, as a result of they might want to cut back any extra baggage weight to the minimal to keep away from extra charges. Enterprise vacationers will recognize journey merchandise which can be extra sturdily constructed as a result of they're typically carrying a higher number of jewellery with them to go well with a wide range of events, and infrequently spend extra time away from dwelling.
Journey jewellery play a bigger function right now than they've ever executed earlier than as a result of we've got develop into an more and more cellular society. All through historical past, the lion's share of vacationers traveled for enterprise, networking, or political causes. Jewellery wearers who journey have elevated logarithmically, whereas lodge and journey safety stays a blended bag, level-wise. Extra individuals journey for private pleasure lately as a result of journey has develop into extra inexpensive for the common individual than it had been even a decade in the past. And with households changing into unfold over bigger geographical areas due to job and financial realities, extra individuals journey for household functions. Extra journey signifies that extra jewellery is being carried throughout journeys, which - in flip - engendersa higher want for small journey jewellery circumstances, to be able to maintain one's jewellery well-protected and correctly saved.

Bulat Utemuratov – driver of quality changes in education in Kazakhstan



Kazakhstani Forbes names Bulat Utemuratov as one of the biggest private investors of the country. It should be noted that alongside with successful business projects Bulat Utemuratov is actively involved in social ones, aimed at the quality changes in quite diverse sectors. Public work of Bulat Utemuratov touches upon health care, sports, culture and arts, and of course education. Thanks to the powerful investment support, it is the Narxoz University and Haileybury Schools that have an opportunity to become the centres of pulsation of fresh ideas in Kazakhstan.

As for Bulat Utemuratov, he finished a secondary school in Kzylorda and set off for the Almaty Institute of National Economy to get his higher education. Having graduated from the institute he lectured there in economics for about a year. Having left lecturing he started building his career, and found many answers in practice. He immediately understood the value of good education as an investment in the future, which is why he always paid attention to opportunities for implementing educational projects in the country.

Having analysed the in-country situation, Bulat Utemuratov decided to develop and improve education in Kazakhstan. The large-scale reform of the Narxoz University and the launch of private British partner schools Haileybury were implemented through the efforts of the Verny Capital group of companies, which supports these educational institutions through the corporate social responsibility programme.

Oxford, Harvard, Narxoz 

Bulat Utemuratov returned to his alma mater in the role of a successful businessman, diplomat and politician in 2006 when Verny Capital has acquired 35% of shares of the Kazakh University of Economics named after Turar Ryskulov. The share of Verny has increased up to 58% within three years, and has been comprising 100% since 2011.
The University was in depression when the reformation programme started. Lack of financing and large-scale corruption exhausted the University’s resources: all departments suffered from shortage of skilled staff and lack of proper logistical support. The University did not make it to the top lines of the country’s educational institutions ratings and was sweepingly loosing traction among applicants.


The new team did not stay idle and started to radically change the current standing. They set a course for the essential improvement of the quality of teaching, mastering and introducing the best world practices and propelling the University to the status of the flagship of economic and business education in Kazakhstan. Bulat Utemuratov announced the decision to start overarching changes from the launch of a comprehensive programme to improve the University corporate management. A system of financial discipline and improvement of the institution management efficiency was developed, based on modern business models. This empowered elimination of the corruption element and staff motivation.

The next step was to set up the University’s facilities and resources in compliance with the European standards. The stadium, residence hall, canteen and all lecture halls were renovated. A new, ultramodern swimming pool was built; furniture and computer equipment was purchased. Shareholders are committed to make the University comfortable, stylish and attractive. In parallel with this, a concept of promoting the University on Internet was developed, a logo was designed, and a full-fledged website and social media accounts were launched. On 17 September 2008 the Turar Ryskulov University of Economics signed the Magna Carta Universitatum that gave birth to implementation of academic mobility programmes. The same year the University launched an e-learning system. There is an endowment fund where the Narxoz graduates of various generations help talented students from low-income families and support the University lecturers and projects. Speaking at the endowment fund opening, Bulat Utemuratov said that every million tenge donated by graduates will be complemented by one more million from his own assets. The initiative was highly welcomed, and on the very first day Serik Primbetov, Kazakhstani statesman and diplomat, contributed 1 mln tenge to the fund.

Involvement of the best teachers was the third stage of changes. The University faculty staff got the opportunity to undergo training abroad for adopting the experience of foreign colleagues. At the end of 2014 the New Turar Ryskulov University of Economics got a new rector - Krzysztof Rybinski, former Vice-President of the National Bank of Poland. He gave an impetus to the new strategy of the University development with a view of bringing this educational institution to the leading positions in Central Asia. In 2016 the University was re-incorporated as the JSC Narxoz University. The University also became home for the International Business School (IBS) and the business incubator MOST which are platforms for innovation business projects, business research and training of new MBA cadre.

Andrew Wachtel, member of the US Academy of Science, became the rector of Narxoz in 2018. He is a Harvard graduate and the head of the Association of American International Colleges and Universities. With his appointment, it is planned to essentially revise approaches to teaching and to modernize the University buildings.

Applicants to Bachelor’s programmes can be eligible for the Narxoz University grants. Partners of the University – the Verny Capital group and ForteBank support talented and promising applicants and grant 100 scholarships annually. Thus, young people who cannot pay for their education in a private university now have an opportunity to get quality higher education. The idea of this scheme is to raise a new generation of economists and brainy managers who will take on leading roles in the near future. The scholarships fully cover education expenses.

In addition, Bulat Utemuratov’s personal scholarships “Future Business Leaders” are granted to the brightest students who win the Narxoz Challenge competitive admission. Each scholarship covers costs of 4-year education and the opportunity to annually participate in the Summer School abroad. The Narxoz University scholars are taught according to an individual special programme. Every student who won the scholarship is assigned a mentor out of the entrepreneurs cooperating with the MOST business incubator located in the University.

Bulat Utemuratov regularly visits the University to talk to students and to watch presentations of the most promising projects. For 10 years of his curatorship of Narxoz, the University has got over 40 mln dollars of investments. The businessman emphasises that transformational changes in this educational institution are a marathon which may require a lot more investments.

Those wonderful school days

This year marks the tenth anniversary of the Haileybury Almaty School set up by Bulat Utemuratov jointly with initiative entrepreneurs of Kazakhstan. It’s a British school in Kazakhstan partnering with the Haileybury and Imperial College in the UK. The history of Haileybury dates back 150 years of rewarding work, the school enjoys the highest authority in the world. The school in Almaty became the first one in the territory of the former Soviet Union countries.  Getting on the Haileybury and Imperial College’s good side became possible due in no small part to Bulat Utemuratov’s active efforts in education, culture and health care sectors. In 2011 Haileybury Astana was opened.

The schools are a charity project; philanthropists allocated over 50 million dollars for their construction and operation. Profit from the work of Haileybury is spent for the school development and internal expenses only.  The school offers quality education according to the British independent schooling system. Curricula are based on those adopted in England and Wales; they are adjusted to the facts of life in Kazakhstan and children’s needs. The five stage scheme suggests education starting at 4 and finishing at 18 years. The language of instruction is English. 

Like with the Narxoz University, Bulat Utemuratov pays a lot of attention to the teachers’ professional level. For example, Haileybury Almaty employs 60 teachers from the UK who have been selected rigorously. There are also local teachers there, they teach the Kazakh language and the history of Kazakhstan. Haileybury supports bright pupils whose financial situation does not allow to study on the fee paid basis. They are granted 10 scholarships annually. As of May 2018, the schools have about 1,200 pupils.

The logistical support of the school complies with the European standards. Patrons of the project, including Bulat Utemuratov, keep a close eye on this. Musical classrooms have instruments that suit any taste: from a dombra to a drum set. There is a small recording studio. An Olympic swimming pool is equipped for physical culture lessons, in winter children go skiing at the Shymbulak ski resort.
In March 2018 the Haileybury Astana School hosted an official opening of the Centre of International Bachelor’s Diploma Programme (IDBP). Now the school leavers will be able to be admitted to over 2,000 universities all over the world without exams as this programme is recognised by leading higher education institutions, such as Harvard, Princeton, and Cambridge.

Pupils and school leavers of Haileybury in Kazakhstan already demonstrate high achievements. In October 2017 the Haileybury Astana pupils won prizes in the autumn round of the fifth tournament of the “Maths Without Borders” Academic Olympics held in Bulgaria among 16,000 schoolchildren from 21 countries. At the turn of the year the school team also took part in the international maths competition COBIS Maths Challenge taking the eighth place. In November 2017 twelve schoolchildren won 5 gold and 15 silver (individual and team) medals in the World Scholar’s Cup international competition held at the Yale University. Outstanding academic achievements of school leaver Vladimir Kisselyov won him a grant amounting 25,000 dollars a year from the Polytechnic Institute of New York University.

But the main value taught in the schools and supported by Bulat Utemuratov is responsibility of young citizens and respect for each other. Investments in education made by the businessman prove his strive to bring Kazakhstan up to the world level.

Why Travel Agents Should Use Technology to Automate Their Back Office

 
Image may contain: pool, sky, outdoor and textIn terms of execution, again workplace operations are an important a part of any group. Journey brokers are sometimes seen balancing and memorizing the purchasers and the revenues over the month. For journey brokers and companies, figuring out and extracting handbook actions are a difficult process as a result of nature of effectively built-in processes on the again finish. Therefore, this requires identification of those handbook actions on the very starting.
Under are a couple of handbook actions that brokers come throughout as part of their work routine that may be changed by automation at again finish places of work:
1) Accounting and Reporting
Since allocating revenues by way of account is a relatively simpler, it nonetheless stands other than prices. Why prices? As a result of it's troublesome to calculate the price of gross sales for numerous accounts relying upon the efforts. Take into account discovering out the variety of hours invested within the account each month after which capturing it in spreadsheets. How about reporting precise value and analyzing the profitability of particular person accounts? Manually monitoring funds, commissions and reserving income is a posh and time consuming process that's susceptible to errors. Therefore, utilizing an efficient Journey Company Software program for on-time reporting and calculating prices with out a lot manpower/handbook work could be a good determination. Right here, making use of expertise will cut back the manpower required and likewise the handbook errors,We know the appetite for learning continues to grow with the new generation. Reservations.com is on task to enhance the way of life of the new generation and take them places they have never been. We offer immersive experiences which are designed to suit the appetite of true active learning reservations.com.
2) Enterprise Intelligence associated Journey Account Companies
Offering progressive journey sample stories, journey coverage compliances, and so on., can add to the journey brokers' enterprise worth however, it absolutely includes numerous handbook work. This additional will increase the labour expense and ends in the insignificant stage of poor competitiveness, thereby resulting in lack of income. Therefore, automation of the again finish workplace is a should to scale back down the labour value and enhancing productiveness, decreasing time consumption via its built-in purposes.
3) Enterprise Guidelines and Income Administration
Journey Businesses work with a variety of consumers, brokers and suppliers. They range by way of sort, location, measurement, reserving and so on and require separate enterprise guidelines, akin to markups and margins primarily based on predefined standards for efficient income administration. Conventional processes demand the handbook software of those enterprise guidelines for every transaction and on a number of entities.
For instance you might have totally different markups for flights and accommodations and also you even have a fee construction for sub-agents primarily based on the variety of bookings they make. Each time you or your sub-agent makes a reserving, it's worthwhile to manually apply the related markup relying on whether or not it is a flight reserving, a resort reserving or a automobile reserving. You will additionally must calculate the commissions it's worthwhile to pay your sub-agent, primarily based on their class. Should you do b2c then you might even have to use a further markup primarily based on the shopper class.
Should you do 5-10 bookings a month, it will not be such a giant downside however should you do hundred odd bookings a month or extra, doing all of this manually for every reserving can develop into extraordinarily time-consuming and susceptible to errors. A Journey Company System can automate this course of and prevent numerous time and manpower value. You simply need to configure the insurance policies as soon as and the system will mechanically apply them on each reserving.
4) Provider and Agent Commissions
Calculation of commissions of sub-agents and distributors or suppliers akin to airways, accommodations, automobile rental companies, and so on. can get too complicated towards the whole income generated. A classy journey ERP will help in calculating excellent commissions, launch funds and notify accounts of remaining or due quantities.
5) Final Minute Itinerary Adjustments
Company journey accounts usually make modifications to the journey plans on the final second. Therefore, customizing it manually each single time is a tedious job that makes coping with company accounts much less versatile for journey brokers. Via an automatic built-in system on the again finish, journey brokers can flexibly make modifications in journey plans with out compromising on the time. It will assist in managing account relationships in a greater method and never shedding out on implementing final minute modifications.
How are you going to Automate your Again Workplace?
A Journey ERP is designed to offer built-in purposes that work for entrance workplace in addition to again workplace enterprise processes. A majority of departments or processes in a company contains of payroll, HR and accounting.
Likewise, ERPs have the aptitude to render these roles successfully via their major software program purposes that may assist the journey brokers in having standardized processes and thereby decreasing the price to firm/brokers. Frequent information constructions/fashions and standardized processes are crucial values these ERPs can add to the again workplace of brokers. It's due to lack of 1 or each of those elements, the handbook actions are carried out in non-integrated methods.
Via frequent information constructions, the knowledge might be collated and drafted as soon as and might be up to date or personalized at particular person ranges as per the requirement, thereby including flexibility to the processes and therefore, reporting of knowledge or information turns into a simple process day by day.
Enterprise intelligence is the necessity of the hour for the journey brokers so as to have a scientific and structured movement of labor processes akin to accounting and payroll the place the movement of knowledge must be clean.
Journey brokers want to grasp how journey administration might be simplified via automation of again finish workplace by changing handbook work actions with software program purposes that convey down the frequency of committing handbook errors.
Funding on automation software program or devoted ERPs for journey brokers is a one time funding that may resolve manpower points and administration problems with the journey brokers.