What Is The Difference Between A Savings And A Current Account?

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Personal and business finances can be daunting and confusing, and one of the most often asked questions is the most simple to answer: What is the difference between a savings and a current account?

The key differences are the rate of interest applied and the amount of access you have to your money. As current accounts are specifically designed to be a holding space for money, which will be used for everyday expenses and can be withdrawn through cash, standing orders, cheques or direct payment via a debit card, the rate of interest is significantly lower than that of a savings account, where banking customers are expected to leave money to accumulate.

These higher rates of interest often come at a price, and that is access to your money. For smaller savings accounts, or those with less money in them, there may be few or no restrictions: for those with significant sums in their savings, banks may require notification before money can be withdrawn. Businesses can access both forms of account similarly, but their differing requirements mean that many banks and building societies offer innovative solutions that will meet their needs.

Most current accounts allow bank customers to access their money through an ATM card, as well as online banking and, in some cases although this is being phased out, cheques. Many savings accounts also allow customers to withdraw money from ATMs, usually at a reduced rate, and they are also viewable on online banking, although the number of transactions and the scope of these varies. Cheques are not commonly linked to savings accounts; however, these are becoming an increasingly outdated mode of paying in the wider industry, and as such they matter less today than it they did in the past.

So, fundamentally, the difference is simply what the bank expects you to do with your account, and as such the restrictions it places onto it as a result, and the interest rate it offers. The best thing to do is always to speak to a financial advisor or member of banking staff about your options. Make sure those you go to for advice are impartial, and if not visit as many banks and building societies before you make your final choice. And remember: if you make the wrong choice, you’re not stuck with it- you can change banks, and with current and savings accounts there are usually no restrictions on when you can move.

So if you’re not happy with your interest rate or account terms, find yourself something better! There are plenty of great resources available for anyone looking for insight on how to move banks, among them CV Magazine. Make sure you subscribe to get the latest news, insight and information direct to your inbox so that you are always ahead of the pack and able to make informed decisions about your money and business.

The digitalised retail industry

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The digital age has transformed many industries as new technologies and the use of online platforms have rapidly increased. The retail industry is no exception and some of our favourite high street brands are closing their doors to the public, as mobile and e-commerce websites take over sales. It has become apparent that customers would much rather sit in their pyjamas on their sofa to do their shopping — and this applies to all sectors in the industry, from groceries and white goods to fashion. Fashion, in particular, has a significant presence in the digital world, accounting for almost one third of all online purchases in the UK — but what does this mean for our high street stores? Retailers of premium velvet jeans, Trilogy Stores, explore the issue further.


The current performance of the industry
One of the latest obstacles for high street retailers is the rise of online fashion stores. In the last twelve months, approximately 87% of UK consumers have bought at least one product online — with online sales increasing 21.3% in the year 2016, and forecast to increase by 30% by the end of 2017. Consumer buying patterns have shifted a great deal. Consumers are choosing to shop in their spare time, usually on an evening or during the night, making it difficult for retail high street stores to compete with their limited shopping hours.

To mimic physical shopping experiences and encourage customers to make purchases online, digital retailers have introduced: sizing guides, free returns and competitive prices. The need to physically try before you buy is fading away. This is influencing the success of high street stores — driving some of them into the ground.

There are many financial advantages for companies to set up online businesses, with lower running costs being a main attraction. 


Digital competitors
If any retail stores do not have an online presence, it is likely that they won’t survive much longer. That’s right, the future is digital for the retail industry. With many big brands already marking their territory online, smaller brands need to consider digital if they are to stay in the game. High street retail, made with bricks and mortar will be no more. The technology revolution is here and it’s time to make the transition.

Some of the biggest retailers in the industry have shown that there is no requirement for a physical store to be successful. Many of which have found success solely on online platforms, using e-commerce websites and social media apps to drive business — with big high street names following in their footsteps and favouring digital platforms over high street stores. 


The impacts of social media
As interaction with social media increases, it’s clear to see the impacts that it has had on the industry. Platforms such as Facebook and Instagram have become essential marketing tools for fashion retailers. Evolving from catwalk shows and big shop window displays, retailers now capitalise via their social media profiles.

Retailers are using social media to build a strong online presence and engage with their customers. They also rely on other social media users to promote their brands and products. The fashion industry is extremely competitive, and social media apps have provided a platform to help brands stand out from their competitors. For example, Instagram has over 700 million active monthly users, with over 40 billion photos shared. With this in mind, the app has become a platform whereby celebrities, public figures and social influencers are used to endorse a brand’s product, guaranteeing a certain level of exposure and success depending on how many followers they have.

One example of this is model, Kendall Jenner, who has an outstanding 81.6 million followers on social media platform, Instagram. Therefore, many companies fight for her endorsement. If she posts one photo of their product or of her wearing an item, it reaches all those followers almost instantly. Similarly, Rosie Huntington-Whiteley is the face of denim designer, PAIGE jeans, and with over 7.6 million followers the brand gets high levels of exposure. Fashion brands know that the success of a campaign can be influenced by the level of followers the endorser has. Using a celebrity endorsement encourages a certain level of user engagement.


New ways for customer service
When it comes to retaining customers, and answering their queries and complaints, social media is still useful. Interactions across social media app, Twitter, has increased by 250% in the last two years. Customers are looking for a service which reduces their effort and is quick and convenient. Is social media the answer?

Phone and voice communication was voted as the most frustrating customer service channel by 32% of respondents. Customers want a quick response rate, without the need to wait in line or on hold. Social media provides a platform for customer communication, and with the opportunity to offer quicker responses, this could equal higher willingness for customer spend.

Going digital can be a big decision for many companies, but the advantages have been proven. If you are not ready to take a huge digital plunge and set up shop online, why not experiment with social media and build your brand presence that way?

Make Your Leave Days Work For You in 2019

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We all know the benefits of a healthy work-life balance by now: Improved mental and physical wellbeing, a better social life, increased creativity, productivity, job satisfaction and more. But with a quarter of Brits working more than 40 hours a week, we still have a long way to go. According to a survey by PaymentSense, 38% of workers across the UK say they worry about work being completed while on annual leave, and 59% admitted their work negatively impacts day-to-day life.

Recent research for TV series Mars also revealed one in six busy Brits can’t remember when last they had a little time to do something they really want to. When asked what top 40 activities they’d enjoy if days were longer, overworked adults named getting some sleep, reading a book, having ‘me’-time, going for a walk and listening to music as their top five, while work sank to 37th on the list.

To improve your work-life balance next year, find out how you can double your downtime and strategically book a few annual leave days in advance, according to Instant Offices:

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Maximise Your Holiday Leave in 2019


January 2019

Take a 6-day holiday by booking 3 days off

(1 Jan – 6 Jan) 


April

Take a 10-day holiday by booking 4 days off

(13 Apr – 22 Apr) 


May

Take a 9-day holiday by booking 4 days off

(4 May – 12 May) 


May/June

Take a 9-day holiday by booking 4 days off

(25 May – 2 June) 


August/Sept

Take a 9-day holiday by booking 4 days off

(24 Aug – 1 Sept) 


December 2019 – January 2020

Take a 16-day holiday by booking 7 days off

(21 Dec – 5 Jan)

The Benefits of Mid-Year Breaks for a healthy work-life balance

Working Smarter, Not Harder

When you’re overworked or overwhelmed it’s easy to fall into the habit of ‘always working’ rather than working smart. It’s vital to be able to switch off from work for a while and use downtime to socialise with loved ones, not only to relax your mind but to reset your attention span, improve happiness and renew your creative focus.

Avoid Burnout

Feeling inefficient, exhausted, anxious, disengaged, cynical and even excessively critical of yourself at work are all signs of burnout. Before reaching this extreme point in your career, it’s essential to take preventative measures, and one of the best ways to do this is by taking strategic and regular breaks. By taking the time to focus on physical and mental health, it enables you to bring your A-game at work.

Reset Your Work/Life Balance

Setting clear boundaries so that work stress doesn’t spill over into everyday life can be difficult, but it’s imperative to push the off button and take a step back to focus on the things that really matter – travel, spending time with loved ones, improving yourself, helping others and…lots of napping!

Increase Your Value at Work

Some companies place value in the ‘first to come in, last to leave’ style of working from their employees but, in truth, this culture only leads to burnout and reduced productivity over time. Rather than being the person who spends the most time at work, focus on being the person who brings the most value to each task by being sharp, thoughtful and enthusiastic.

A look at different roles in the fashion industry

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Are you considering taking your career into the fashion industry? There are a wide range of options available aside from the ones you may expect, such as designers and models. From a career in fashion-related finance, to discovering a role in communications, the opportunities are varied. Read on as retailers of Charles Tyrwhitt men’s shirts, CT Shirts, consider some careers you mightn’t have thought of: 


Finding your feet as a fashion accountant
If you have an interest in finance and fashion, a fashion accountant role could be suitable for you.

There are a range of roles available in this field. From retail accountants to accountants in textiles who ensure that a budget is adhered to when buying materials. Roles like this allow you to be involved with designers and the garment-making process, whilst keeping finances under control.

Naturally a background in maths is essential. Start by taking Maths at A-level and progress to studying a financial role at university. This might be Economics, Accounting or another form of Financial Studies. As part of your degree, take up the opportunity to undergo a year in industry — this can give you an insight into the field that you’re going into and give you some invaluable experience to put on your CV. 


Pursuing a career in fashion journalism
The role of a fashion journalist involves writing about the latest in clothing, trends and accessories for a range of publications.

This role is no longer limited to writing for print. With a range of online magazines out there, there are more opportunities available. You could also go freelance, but work isn’t guaranteed here. As part of the job, you’ll likely be required to travel and meet new people to conduct interviews and get the latest on fashion stories.

There are some skills you must possess of course. Having a creative flair, love for writing and an interest in fashion will put you in good stead to becoming a fashion journalist, but there are some educational choices that you can make to better your chances of getting a career in this field. Choosing A-levels such as English Language will further your creative writing skills, for example. There are specialty degrees out there too, such as the Fashion Communications course which will teach you more about the sector and increase your employability.

Build up your own portfolio too which can impress prospective employers. Start your own fashion blog to write about the latest news in the sector and approach editors for freelance opportunities. Networking is also a great way to get to know about future vacancies. Try to secure unpaid work in relevant positions to build your experience too.


A role in fashion illustration
If you are a fashion illustrator, you’re trusted with the design of fashion drawings and diagrams that represent the garment. They work closely with designers to create conceptual sketches and illustrations of fashion products. In addition to this, they may produce advertising copy and images for promotional material for print and online coverage. To succeed in this role, you need to be able to use computer design, as well as drawing by hand and have an eye for fashion.

What about education? Most fashion illustrators have a degree in graphic design or a related subject before progressing in this career. To get accepted onto a degree of this kind, you will need GCSEs and potentially A levels, or entry based on passing a foundation course. Alternatively, you can build up a strong portfolio and gain experience in relevant positions to impress prospective employees.


A career as a garment technologist
You might not have considered becoming a garment technologist. But, its highly important in the fashion world. This role is largely about quality control and investigative work with regards to the materials that are used to create fashion pieces.

Tasks of a garment technologist include working on the design and development of new materials. Through testing new combinations of materials and fibres, people in this role look to find the best type of fabric for what’s to be made. These people work closely with designers, pattern graders and buying teams to find the right type of fabric for what’s to be made.

They also improve production techniques and help the company become more efficient. This might be to do with price and would involve liaising with buyers and suppliers to negotiate a cost that’s within the budget of the project. Or, they might be looking to make the company more sustainable, and therefore the technologist would investigate the production of the fabrics.

To thrive in this role, you must be aware of the textiles and manufacturing process and have an interest in the creative work that goes into clothing production. Employers may also expect you to have a degree in a related topic, such as garment technology and production, or you may complete a module around this as part of a wider subject. Or, look out for apprenticeship schemes and junior roles, where you can work your way up to this role.


A job as a pattern grader
Although you might not have considered this role, pattern graders are another important role in the fashion industry. They focus on producing scaled-up and scaled-down versions of design patterns, which enables the manufacturers to produce the same patterned piece of clothing in different sizes.

So, what does a pattern grader do? Traces the outline of a pattern with scanning equipment, quality checks to ensure that the final pattern is in-line with the original design and creates sample garments from the pattern to send to prospective buyers.

As well as an interest in design and textiles, you also need some mathematical skills. You must be able to take accurate measurements and make calculations in order to scale the patterns correctly. It’s also important that you enjoy being part of a team, so to cooperate with others in the design process, and be able to confidently use IT to work with a digitising table.

You don’t need to be degree qualified to become a pattern grader. Instead, you could take the apprenticeship route through college by studying subjects such as fashion or textiles. Or, work your way up from an assistant or pattern cutter to become a grader in a fashion company.

Have you ever considered the roles above? To succeed, it’s all about being proactive and showing potential employers what you’re capable of. Good luck!

The manufacturing industry – how has technology improved productivity within?

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Technology is evolving across every business, allowing companies to become more productive and efficient. Whether it’s the food takeaway industry utilising mobile apps or sports events using video assisted refereeing, technological advances are helping our world progress and become better. Computer systems, such as CRMs, can help you plan out your workload as efficiently as possible, while analytics allow you to judge what updates are needed and when


Printing advancements
Human error can be extremely costly. That’s where 3D printing can come into play. While it’s still early days for the technology, it has the potential to have a massive impact on practicality. It’s expected that this invention will transform nearly every industry as it changes how manufacturers will do business and will impact material costs, the traditional assembly line and product pricing strategies.

The use of robotics isn’t aimed at replacing humans, but more so making employees’ jobs easier. Automated printers for example, like those used by Voodoo Manufacturing, don’t need to be manned anymore and can continue working 24 hours a day.


Bodysuits
While such suits were more likely to appear on the big screen in movies such as Iron Man just a few years ago, the creation of bodysuits is having positive feedback from its users, with many claiming they aren’t as sore after a shift if they’ve been wearing the technology.

Ford’s Michigan plant is also using innovative technological developments to help its workforce. It was announced in 2017 that line workers in the plant would pilot exoskeleton suits — wearable technology that can help support a worker’s arms while they undergo tasks above their heads. These suits can also be adjusted to support different weights, depending on the wearer’s needs.


Metrology
The process of quality control can traditionally be a very time-consuming and expensive project. There would be randomly selected machine-made parts that would be individually tested, and if they passed the test, the batch it came from would be validated.

This process can’t be too reliable, as faulty parts may well be produced in a batch and slip through after the checks. That’s why the ever-improving embedded metrology will continue to help manufacturers produce a better product. This quick and convenient solution is a lot more accurate and requires little human interference.


The introduction of Drones
As well as making sure the equipment is still in a good enough condition, the drones are providing the company with video and still footage that can be stored to allow the plant to compare its findings over a period of time to monitor any changes or patterns that are noticeable. This has become an indispensable tool for the factory, with the drones greatly improving productivity and efficiency.

Ford has started to use drones to help perform risky inspections on the factory’s equipment in it’s Dagenham engine plant. The company is benefitting massively, saving almost 12 hours on each inspection and reducing the time it takes to check the equipment from 12 hours to 12 minutes. Not only can drones provide a quick and thorough inspection, but they eliminate the health and safety risk of someone needing to scale up to 150 feet to look at gantries.

In the future, it’s anticipated that this human aspect can be removed completely, with technology helping to provide a fully integrated and fully automated form of quality control. While some of the public are concerned that jobs will be lost as it keeps progressing, it can only be a good thing for manufacturing companies as it continues to help improve productivity and efficiency. It will be interesting to see what we welcome to factories next! Technology is continuing to amaze us in all walks of life. The automotive industry is no different, either, taking advantage of new inventions. It’s not only our cars that are benefitting from technological advances, though — the manufacturing industry is, too. Lookers, who offer a variety of Ford motability cars , is an example of this.

The importance of lunch breaks at work

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We’ve all been there. A stressful day, the work just keeps coming in, and you feel like you’re behind before you even start. Lunch break comes around – for some people, this is extra time to catch up on work, rather than a chance to take, well, a break!

According to a 2017 survey of 7,135 people by TotalJobs, a third of UK employees don’t leave their desks at all during their working day. On top of that, more than 50% don’t take a full lunch break, even though two thirds feel encouraged to take the break.  Clearly, it isn’t an issue of not knowing they can or should take a lunch break. Rather, it is an issue of too much work, too little time. Lunch time is therefore viewed as an expendable luxury. 68% of those surveyed agreed with this notion, saying they skipped lunch to work on an unexpected task or to deal with an overbearing workload.

But, is working through lunch really the best way to tackle a hefty workload? Do you really get more work done in that time than you would if you took a break and returned back to the desk? United Carlton managed print solutions, has explored various studies and reports in order to bring you this article on the benefits to taking your lunch break.


Get non-work things done
As RealBusiness points out, your lunch break can be time to work on something…just, not work things. It’s a great time to catch up on tasks from your outside life, giving you more time in the evening (when you’re more tired) to unwind. You could use your lunchtime to make that phone call you’ve been putting off, or do a little online shopping on your smartphone. Run a few errands, sort out some home tasks. Whatever it is, you’ll save yourself some time later in the day after work.


A healthy refuel
If you’re at your desk all day, you’re probably prone to snacking. And those snacks are ones you can grab easily – we’re thinking chocolate, sweets, crisps, that sort of thing. After all, it’s difficult to get a healthy meal from a vending machine, but it’s the quickest thing to grab in the office.

BestHealthMag reported on the benefits of a healthy lunch, citing Dr. Andrew Pipe from the University of Ottawa Heart Institute:

“The kind of food people choose when they stay at their desks is not the healthiest. You can be more purposeful in your food choices when you get up and leave the office during lunch.”

Plus, on a more basic level, it’s an opportunity to refuel for the second half of the day. PeopleManagement.co.uk draws attention to the simple fact that skipping lunch means skipping out on nutrients for your brain and muscles, which will impact your performance. Without nutrients and good hydration, your mood, concentration, and performance will dip for the rest of the day.

But, with a nice healthy meal and a chance to get a drink, you’ll be in better condition to work better, and faster, for the rest of the day.


Fresh eyes
The physical act of leaving your desk and stretching out can work wonders on your productivity. Metro reported on the benefits of a proper break from work, stating that even if you’ve already eaten, it’s a good idea to step away from the office. You can grab some fresh air, maybe some sun if the weather is nice. You’ll feel more refreshed and calm upon returning, and it will allow you to look at your morning’s work with fresh eyes. The report points out that, if you continue working through your break, you’re less likely to notice mistakes in your work. Your brain needs a break, and without it, you’ll lose focus and the quality of your work will suffer. Take a break, and see your productivity come back with a renewed vigour. You will accomplish more in the long run.


Lunchtime working = working for free
If you’re of the mindset that working as long as possible displays better work ethic than producing quality work, you might be falling foul to presenteeism. Presenteeism is the act of being at work longer than is needed, or through sickness or injury, but is often deemed a reflection of insecurity about your job. And, the Metro says, this concept needs to be put to bed.

After all, the bottom line is that if you’re working through your lunch, you’re working for free. TotalJob’s put a figure to the amount of pay that would accumulate from a worker’s skipped lunches; working through your lunch adds up to £33,264 worth of free work over the course of your career.

So, to miss out on your lunch, you’re basically losing money and work quality. Give yourself the chance to recharge, and you’ll find your work flourishes for it. In fact, you’re more likely to finish your workload for the day after taking a moment to refuel than you would if you tried to plough through!

Jobs to consider when in retirement

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There is certainly a lot of elderly people living across the USA today, especially if the population estimates from the new U.S. Census Bureau is anything to go by. According to their figures, the number of residents aged 65 and over throughout the nation increased from 35 million in 2000 to 49.2 million in 2016. The latter statistic means that these residents now make up 15.2 per cent of the USA’s total population.

With many elderly citizens across the US either getting ready for or already experiencing their retirement, award-winning stair lift supplier Acorn Stairlifts has advised on some of the job roles which perfectly cater for the elderly…


Dip back into the education sector
As an elderly citizen, you have many opportunities to get involved in the world of education once more. Your services could prove useful to all types of schools, for instance, as everywhere from preschools to elementary establishments and private schools are regularly looking to hire people as:

·         Administrative workers

·         Bus drivers & bus monitors

·         Crossing guards

·         Help in the cafeteria

·         Librarians

·         Teacher’s assistants

·         Tutors

Colleges and universities are regularly on the lookout for adjunct professors too. This role will see you teaching students about your area of expertise. Online programs are available by many higher education establishments now too, which eases the pressure a little by allowing senior citizens to teach from the comfort of their own home.

Keeping the focus on colleges and universities, many of these establishments are often seeking department office assistants, librarians, student advisors and tutors. There’s even the possibility to branch out on your own and teach an ongoing education class at a senior center, a local community college or via an adult education program.


Work as a sports coach
If you would like to pass on your wisdom to others and are passionate about a sport, there’s also the opportunity to become a sports coach in your elderly years.

Of course, being a coach will see you pocket some extra money. However, coaching is also great for senior citizens as it means they can remain active and the pursuit will provide them with the opportunity to work outdoors.


Work as a consultant
A career in consulting is ideal if you’re in your retirement years but managed to study for advanced degrees and gained specialized experience in your field while employed.

This role should prove especially appealing if you loved your job and the industry you were working in before you retired. This is because being a consultant allows you to make great use of your expertise, network and years of experience. From accounting to bookkeeping, and engineering to website development, these are all skills which can work in your favour as a consultant. It’s also an opportunity that’s available to so many people.


Work as a customer service representative
Do you have a skill communicating over the phone or when using chat software? Are you also adept at using a computer? Then a customer service representative could be just the role you’re looking for in your elderly years.

So, what does this job entail? The role may see you answering questions related to billing, taking reservations for a company or troubleshooting any issues. What’s more, you’ll spend the majority of your time in the job sitting down — perfect if you have low mobility. Don’t be surprised if you have the chance to work from home in this role either, making the job even more accessible.

Please take note that no matter which job role you opt for — regardless if it’s a job we’ve covered above or another role that you have ambitions to fill — working in retirement gives you the opportunity to work on your own terms. On top of this, a lot of companies will appreciate the unmatched experience that older workers boast.

Issue 12 2018

Issue 12 2018

Welcome to the December edition of Corporate Vision Magazine, bringing you the latest news and innovative features from across the globe during this festive season.


In this month’s issue, we discover more about Open Study College a flexible, friendly approach to learning. We profiled the firm and spoke to Samantha who provided us with a detailed insight into the innovative ways Open Study College helps individuals to improve their career prospects.

Elsewhere in this edition, Nayr Recruitment is a dynamic, dedicated and knowledgeable recruitment business. We caught up with UK Recruitment Director, Craig Lister to discover more about the exceptional services the team at Nayr Recruitment provide on a daily basis.

Also in this edition, we take a closer look at Mortimer Spinks, who offer their clients an array of solution-based services; from technology recruitment to tailored business solutions, representing their and earning their clients’ trust through positive experience. We caught up with Director, Robin Beattie, who provided us with a detailed insight into the innerworkings of the innovative firm.

Here at Corporate Vision Magazine, we hope that you enjoy reading this packed end-of-year issue and wish you a Merry Christmas and a Happy New Year.

Looking to pursue a career in the jewellery industry?

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Do you have a passion for creating stunning pieces like palladium diamond rings and necklaces? If so, join us as we guide you through just exactly how to pursue a career in the jewellery industry.

Employing over 55,000 people and made up of over 16,000 businesses, the UK jewellery industry could be one that you find yourself working in. But, have you considered the different roles in the sector? From goldsmiths to CAD designers, read on as we look at the various career paths you could follow.

Designer – The development of CAD
There is now a requirement for people who can use digital tools such as Computer Aided Design (CAD) and 3D printing with precision in the design and manufacturing process.

If taking part in CAD training is something that interests you, there are a variety of vocational colleges that have related courses on offer. Alternatively, there are courses online that can enable you to gain your CAD qualification at home.

These types of software are able to create prototypes of models, which go on to be made into 3D designs and castings. Jewellery that is designed with this sort of technology uses state-of-the art equipment and is drawn with precision like no other. The designs are then sent to mills, printers and growing machines, where they come to life with the help of 3D wax or resin.

Goldsmiths and Silversmiths
Skilled in the making of jewellery, goldsmiths and silversmiths are trained in making jewellery out of both gold and silver – as their names suggest. A Master goldsmith is highly skilled in working with precious metals using a variety of techniques.

It is important to be a team player if you’re interested in becoming a Goldsmith, as well as being able to work independently. It’s likely that you’ll be working with other craftspeople on different projects but will also spend time perfecting pieces on your own. 

As well as this, you need to enjoy being practical by working with your hands, as you’ll be forming metal into different shapes. Patience is also required, as you’ll need to be concentrating for long periods of time on one object. You may also be asked to make changes to jewellery to meet a client brief, so persistence is also key. Being able to create technical drawings is an advantage too and something that is sought after by some employees, depending on the company.

The best way is to learn from other professionals, either through an apprenticeship or by spending time in industry. On the job experience is key here and although gaining qualifications will help develop your industry knowledge, it may not help develop your skills in the way that you need them.

Creative Jewellery Designer
Apprenticeships are available for those who learn the best via on the job training. Again though, these are increasingly competitive. And, for those who are looking to learn jewellery design alongside other commitments, there are short courses available at colleges and private providers, but these aren’t usually as in-depth or may take longer to get to the level that an apprenticeship or degree qualification would provide.

Many designers create models out of the jewellery, which will go on to be mass produced in a business-to-business trade or given to the customer for a bespoke design. It could also be part of the designer’s job to source gemstones, metals and other jewellery parts to create their proposed piece.

Depending on the size of the business, designers may have to discuss a brief with the client and liaise with them through to completion. Individuals in this profession use their artistic abilities to bring an idea to life, either by hand or using Computer Aided Design, also known as CAD (see below).

This is a role that’s very competitive and not often advertised, so networking and building contacts in the field is a good idea to get started. You’ll find that many jewellery designers have foundation degrees, or bachelor’s degrees in related subjects which looks at modules such as metalwork, design and metal design.

Jewellers
Some people decide to go solo when it comes to making jewellery and set up their own business. This is usually done as an additional job or a hobby, but some people are successful in making a career out of it.

If it’s something that you’re passionate about, you can start your own website and possibly supply your goods to others in the future! If you want to be your own boss, this could be for you.

There are many sites out there that focus on arts and crafts and appeal to a market that wants something truly unique. You can teach yourself how to make jewellery pieces, and experiment with different materials to find your niche.

What more specific roles are there available?
In larger jewellers that deal with making a lot of new products or making repairs and alterations, there are a lot of specific roles. You might find your niche in jewellery making and find that you want a more specialised job. These roles again require patience and working with your hands.

·   Model makers — design and create models which are used to make numerous copies or an item through the casting process

·    Engravers — skilled in the art of engraving, they can engrave lines words and other markings onto jewellery pieces

·    Bench jewellers — make, repair and alter items

·    Casters — generate multiple casts for the production process

·    Enamellers — apply powdered glass and heat to the metal to create decorative finishes

Do any of the roles discussed in this article take your fancy? Start networking and build your portfolio to better your chances of breaking into the industry.

How to combat unacceptable behaviour in the workplace

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Bullying and sexual harassment in the workplace has taken centre stage in the news in recent months following the allegations of sexual assault and rape against film producer Harvey Weinstein.

Hollywood has been under the spotlight whilst investigations of sexual harassment are under way. For many people, having Hollywood stars come forward about their experiences of bullying and sexual harassment in the workplace has given other individuals the confidence to come forward about their unfortunate experiences at work.

But just how big is the issue? Badgemaster, retailers of personalised badges, investigates how pressing the matter of unacceptable behaviour in the workplace is and how we can combat the issue moving forward.


How severe is sexual harassment in the workplace?
Around 14% of people in the workplace have reported sexual harassment in the workplace, with figures significantly higher for women (20%) then for males (7%). One in five women claim to be victims of sexual harassment, with a significant number saying they were targeted by their boss. 12% of male victims said they were targeted by managers, as opposed to 30% of women – and it appears that the younger generation make up the majority. 19% of female victims are aged between 18-34 years old, while 7% of female victims were over 55.

Worryingly, these figures may be an inaccurate representation of reality, with the BBC revealing that two thirds of female victims do not report their sexual harassment to anyone. Likewise, 79% of male victims keep their incidents to themselves. This could be what is pushing many people to leave their job roles as a result. One in 10 women leaves their job as a result of a sexual harassment incident.

Sexual harassment covers a wide spectrum of incidents – from sexual comments and unwanted touching to verbal sexual advances and sexual assault. 12% of victims who had the courage to step forward and report an incident said the incident was not even acknowledged by their company. A further 31% said although their report was acknowledged, no action was taken. Unfortunately, figures reveal that just three in 10 victims said that their offender was given a warning, and just 4% said that their offender was removed from the company.


How to deal with an incident in the workplace
The importance of dealing with sexual harassment in the workplace properly has been highlighted following the uncovering of celebrity victims in Hollywood. HR departments must make it clear that it won’t be tolerated in the workplace. However, HR has been the victim of scrutiny recently.

An employee needs to feel safe, confident and comfortable enough to report an incident to you, knowing that something will be done about it. With such a high rate of acknowledgment and no action taken, you need to make it clear that sexual harassment is unacceptable.

A confidential process is required in every workplace for safeguarding and dealing with complaints. Identifying sexual harassment isn’t always obvious – consider how the actions and words affect the victim. Does it make them feel uncomfortable, hostile or does it offend them? With many victims not reporting incidents themselves, it is important to be able to spot the tell-tale signs of harassment in the workplace.

Obviously, any report needs to be investigated properly and formally, but what happens when the accused it guilty? What should the punishment be? The incident needs to be acknowledged, and action needs to be taken.

According to Avvo, ‘Employers, rather than individuals, are liable for sexual harassment in the workplace. That means if an employer is found guilty of neglecting to stop or prevent sexual harassment, the employer may face court-ordered penalties.’

However, the accused can face penalties from their employer for their actions. Punishments are usually measured on how serious the offensive behaviour was. Penalties range from a warning, demotion, transfer or salary reduction to monitoring, suspension and termination.


Do we have a bullying problem?
Unacceptable behaviour in the workplace includes bullying – and there appears to be an issue in the UK. According to a YouGov poll, 29% of workers have been the victim of workplace bullying – that’s almost every three in every 10 workers, which would equate to 9.1 million of the UK workplace.

Again, women appear to be the most likely victims. 34% of women have experienced workplace bullying as opposed to 23% of men. However, it is the older generation who appears to be the most affected by workplace bullying. 34% of 40-59 year olds are affected.

Worryingly, nearly three quarters of bullying incidents are carried out by a manager. Furthermore, in 2015, the BBC revealed that Acas received over 20,000 calls about harassment and bullying in the workplace during the previous year — with some callers admitting to having suicidal thoughts as a result.

Gender, disability, religion, beliefs, ethnicity and sexual orientation are amongst the most common reasons behind bullying. Women are reported to be 11% more likely to be a victim of bullying, while an Opportunity Now survey reveals that 71% of disabled women have been victims of some kind of workplace abuse or bullying. Additionally, one in five people who identified themselves as gay, lesbian or bisexual experienced bullying too.


How to tackle workplace bullying
Further reports by Acas revealed that workplace bullying is costing the UK economy £18 billion a year – which combines sickness-related absences, staff turnover and reduced productivity. Whilst it is clearly significantly costing the UK economy, the effect it has on businesses and employees is also significant.

It is an employer’s responsibility for duty of care and welfare of their employees and that includes the prevention of bullying and harassment. It is also your responsibility to fully investigate a reported incident. A grievance is likely to be filed by the HR department or manager, to which it must be upheld and acknowledged. Worryingly, 99% currently believe that workplace bullying is not dealt with appropriately.

Organisations should have a clear policy set in place in the event of a bullying incident or report – and it should state that it will not be tolerated in the workplace. Staff need to feel confident and comfortable reporting the matter, and it should then go on to be dealt with in a respectful, confidential manner.

Legal Changes All Companies Should Know About

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With 2018 nearly coming to an end, companies in the UK will have seen a number of changes which will have directly affected them in some way. We also note, from experience, that not everyone is compliant with the new rules and are gambling the odds on who gets fined or investigated first, before companies start to react, which is a risk strategy! The following is a brief overview of five legal changes which companies and employers should know about from 2018.

Data Protection/ GDPR

This was one of the substantive changes that came about this year effecting all small and large businesses and charities. Brexit or not, the Government made it clear at the outset that GDPR will be adopted and it has. May 25th saw GDPR come into force along with the Data Protection Act 2018 which also received royal assent. The audit, training, deletion, consideration and legal strategies that have been deployed have almost crippled some small businesses; been ignored by others and distracted many who have tried to get this right.

Data protection has now catapulted itself onto the scene and is forcing companies of all sizes to rethink their processes and data handling procedures. Failure to be compliant or those who face breaches could be looking at hefty fines and in some cases prosecutions. You need robust policies, staff training, a contract audit and clear structures and processes in place.

An article published in the Independent, dated 28 August 2018, reported that data breach complaints had increased by 160% since the GDPR came into force. This staggering statistic does not come as a surprise, given the amount of media attention and government campaigns on the subject.  It has raised awareness among individuals, giving them more power to control how their data is used and hold businesses to account for their actions.

Credit card surcharges

One area where there has been a consumer rights change is credit card surcharges and a new law banned any company from charging an additional fee for the consumer using a credit card.  Previously, the law allowed companies to levy a surcharge that would reflect the extra costs they faced for processing card payments.

The impact of this had first seen some companies refuse to accept credit card payments however this also had an impact on their customers who wished to pay by card. Instead, companies used other means of covering the costs which also saw a slight increase in their prices for goods and services or large administration fees. The larger companies were more well equipped to absorb this loss however for the smaller companies, it proved to be a balancing exercise between interest of the business and customer expectations. It is also very difficult to address professional services, who often took their costs and third-party fees, which they now of course cannot do if they are left short due to credit card charges. Check your invoices and contracts to ensure you are compliant with these rules and remove all hidden fees.

National living wage

2018 saw the increase of the National Living Wage go up to £7.83, an increase of 4.4% on the previous year. This came as welcome news for adults over the age of 25 and it affected millions. The Lord Chancellor in his recent budget announcement declared that this will again look to be increased to £8.21. Although it has again come as welcome news to some 2.4 million people, smaller companies have to consider their own plans to meet this obligation. Most small firms will probably have to look to reducing their profits margins. Failure to do so will risk them being exposed to penalties for failing to meet their obligations. Contracts, recruitment and pay needs to be at the forth front of employers reviews this year.

Gender Pay Gap

April saw the law tackle the gender pay gap. All UK employers with at least 250 employees are required to publish information about the differences in pay between men and women in their workforce. The reports were to commence in April 2018 and already received a lot of press coverage when the disparities came out.  As such large employers have had to reconsider their salaries and ensure gender balance is addressed otherwise there is a clear public name and shame available.

Payslip requirement

In the field of employment law, 2019 will see the law require companies to provide payslips for their employees for each time they are paid. There are some exceptions to this: non-employees, contractors, and freelancers are not required to receive a payslip among other categories of persons.

The payslip can come in any written form, event provided electronically however it must be provided on or before the employee’s payday.

As a minimum requirement, the payslip must show the earnings before and after deductions and the amounts for deductions (which may change from time to time).

It can be difficult to keep up with changes in the law but it’s important you do to avoid costly penalties further down the line.  If you’re unsure about your business being compliant, seek advice from an appropriate source whether that’s HMRC, a lawyer or accountant.

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Karen Holden is founder of A City Law Firm

The 2018 International Health & Safety Awards Press Release

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Corporate Vision Unveils the International Health & Safety Awards 2018 Winners

United Kingdom, 2018– Corporate Vision Magazine has announced the winners of the International Health & Safety Awards 2018.

Corporate Vision Magazine is proud to announce the publication of the 2018 International Health & Safety Awards where we will herald the professionals who make the safe environments for all endeavours.

Discussing the success of their winners, Laura Hunter, Awards Coordinator commented: “Showcasing a range of consultants, inspectors and training providers, this awards programme provides our readers with an insight into the best of the best from across the health and safety market globally. I am proud of all of my winner and wish them the very best of luck moving forward.”

To learn more about these illustrious winners, and to find out the secrets behind their success, please visit http://www.cv-magazine.com.

ENDS

NOTES TO EDITORS

About Corporate Vision Magazine

Created by a highly experienced and passionate team of business experts, advisors and insiders, Corporate Vision provides discerning readers worldwide with a wealth of news, features and comment on the corporate issues of the day.