September 2022


While the chip card system is a major improvement, some weaknesses remain. For example, not all financial institutions have been properly set up. Thieves have known about these weaknesses for years. According to a paper published by Cyber R&D Labs, researchers could harvest data from four-chip cards and use it to create cloned magnetic stripe cards.

Less Vulnerable to Hacking

Newer credit cards with EMV chip technology have been touted as less prone to hacking than those with magnetic strips. However, recent research from the Black Hat hacking group has shown that chip-and-PIN cards are not as secure as they are made to be. Small equipment modifications can bypass these cards’ protections, enabling unauthorized payments. To prevent such thefts, make sure your cards are chip-based.

To protect your business from attacks, it is essential to have an effective security policy and network security procedures. A lack of these measures can lead to disastrous results. Companies should invest in a security solution system and regular employee training. It’s not enough to switch over to an EMV card reader. Relying on a single technology is costly and risky. Moreover, EMV technology only improves security for card-present transactions. Online transactions are still vulnerable to hackers, so you must protect your business against these attacks.

Less vulnerable to counterfeiting

EMV chip cards are less vulnerable to counterfeiters because of their embedded microchips. In addition, this new technology protects against skimming, cloning, and other card-related fraud. As a result, many retailers have switched to chip card readers to make their transactions safer. However, EMV chip cards are not completely secure.

EMV chip cards have become common in the United States. Counterfeits have declined by almost seventy-five percent. Fewer than 400,000 merchants were accepting them. By the end of this year, the number of merchants accepting them will reach 3.7 million. The reason for this decrease is that more merchants are now aware of the security benefits of chip cards.

While EMV chip cards are less susceptible to counterfeiting than traditional magnetic stripe cards, there are still some security concerns. However, using PIN-based authentication can help solve some of these issues.

Less Vulnerable to Fraud

EMV chip cards are less susceptible to fraud than traditional credit cards. The recent Target data breach has put EMV cards in the spotlight. But the chip cards are not immune to attacks from the point of Sale (PoS) RAM Scraper malware, which can spoof an EMV code. This malware is particularly problematic for Canadian Home Depot stores, which use PoS EMV chips and PIN card terminals.

EMV chip cards reduce the chance of fraud because chip technology makes it impossible for scammers to steal information and make purchases. As a result, merchants can’t verify the information. Fingerprinting card technology is also on the horizon. While EMV chip cards are more secure, it is important to protect yourself from fraud by taking the necessary precautions. If you think your card may have been a scam victim, contact the credit card issuer and request a chip-and-PIN credit card.

Less Vulnerable to Fraud for Online Transactions

EMV chip cards are less vulnerable to fraud because they have a unique one-time code used during each transaction. This code is not accessible by a fraudulent party. Instead, the information is substituted with a code created by the processor, making it impossible for a fraudster to use it to make a purchase.

However, EMV chip cards are not secure because the information is still exposed in transit. Therefore, even though these cards have secure data storage, a merchant must still be cautious and vigilant against fraudulent transactions. Luckily, there are some precautions that merchants and consumers can take to minimize this risk.

As any parent or teacher knows, a well-maintained school is essential for providing a safe and healthy learning environment. Here are some tips for keeping your school in tip-top shape:

Establish a regular cleaning schedule and stick to it

A clean school is a happy school. That’s why it’s important to establish a regular cleaning schedule and stick to it. Maybe you could start with a weekly cleaning day where everyone pitched in. The classrooms would be vacuumed, the floors would be mopped, and the windows would be cleaned. Then, each day after school, one class could be responsible for taking out the trash and sweeping the sidewalk. By establishing a regular cleaning schedule, you’ll keep your school looking its best – and everyone will be happy!

Make sure all furniture and equipment are in good working condition

Creating a comfortable and functional learning environment is essential for any school. Not only does it promote a sense of order and discipline, but it also helps to create an inviting space that encourages students to engage with their studies. One important aspect of school maintenance is ensuring that all furniture and equipment are in good working condition. This means regular checking of chairs and tables for wobbles, loose screws, and other potential hazards. It also means investing in high-quality furnishings that will stand up to heavy use. By taking the time to ensure that all furniture and equipment are in good condition, schools can create a safe and inviting learning environment for all students.

Keep an eye on the condition of the flooring

It’s important to keep an eye on the condition of your school’s flooring. Carpets should be vacuumed regularly, and hard floors should be mopped or swept. However, there are a few other things you can do to keep your floors looking their best. For instance, you can use area rugs to protect high-traffic areas from wear and tear. You can also add color to your floors with paint or stencils. And if you’re really looking to make a statement, you can always try installing new flooring altogether. Whatever route you choose, remember that the condition of your school’s floors is a reflection of your commitment to providing a quality education.

Don’t forget about the windows

School maintenance crews have a lot to keep track of – from making sure the floors are mopped and the desks are dusted, to refilling the paper towel dispensers in the bathrooms. But there’s one task that’s often overlooked: cleaning the windows. Dust, fingerprints, and smudges can quickly build up on glass surfaces, making it difficult for natural light to shine through. That’s why it’s important to add window cleaning to your school’s cleaning schedule. The best way to clean large windows is with a scissor lift, and there are plenty of scissor lifts for sale in New Mexico. By using a scissor lift, maintenance workers can easily reach high windows and clean them without having to worry about safety hazards. In addition, scissor lifts can be used to clean the exterior of windows, which is important for maintaining the building’s curb appeal. So don’t forget about the windows when you’re planning your school’s cleaning schedule – a little bit of elbow grease will go a long way in keeping them sparkling clean.

Check the ventilation system to ensure that it’s working properly

It’s that time of year again! Time for students to head back to school and hit the books. But before they do, it’s important to make sure that the school is properly prepared. One crucial element of a functioning school is a clean and well-ventilated space. Poor air quality can lead to concentration problems and illness, which is why it’s important to regularly check the ventilation system. By ensuring that the ventilation system is working properly, we can help create a healthy and productive learning environment for all students.

Encourage everyone to pitch in and help with the upkeep of the school

There’s no doubt that a well-maintained school is a more pleasant place to learn and one that projects a positive image to the community. But keeping a school in tip-top condition takes more than just the custodial staff – it takes everyone pitching in. Here are some ways that students, teachers, and staff can all lend a hand in maintaining their school:

  • Keep hallways and classrooms tidy and free of clutter. Students can put away their own belongings at the end of each day and sweep up any debris.
  • In the winter, help to keep walkways clear of snow and ice. Shoveling snow may not be the most fun job, but it’s important for safety.
  • In the spring, help with landscaping tasks such as raking leaves, mulching beds, and planting flowers. There’s nothing like a little bit of greenery to brighten up a school!

Pitching in to help maintain the school not only keeps the building looking great, but also builds pride and ownership among students, teachers, and staff. A little bit of elbow grease goes a long way!

Finally, make sure to schedule regular maintenance checks with a qualified professional. This will help identify any potential problems before they become big ones! By following these tips, you can be sure that your school will be a happy, healthy place for students and staff alike.

Money is often tight when you start a business for the first time and getting an office space can be one of the biggest monthly expenses for your new company. No matter what kind of business you are running, having the right office space can be super important for business growth. Many entrepreneurs feel more productive when working out of the office, and you may need somewhere where you can invite clients or hire employees to come and work for you. But how can you do all this on a tight budget? The good news is that there are several money saving strategies to consider. 

Work from Home

If you can, it might be worth considering working from home for as long as possible. This will help you save a significant amount, especially when you’re in the early stages of running your business and probably don’t need a professional office space just yet. You can always look for an office to move into once your company has started taking off, or when you need to hire your first employee, although thanks to the rise in remote working, an office might not be necessary until you have a bigger team working for you. 

Managed Office Spaces

Managed office space services are an ideal choice for small businesses that don’t need a big, expensive office to commit to. Offering shorter leases and small offices that can grow with your business, they are an ideal solution whether you’re currently running your business on your own or have built a small team to work with you. 

Consider a Virtual Office

Another option to consider if you need a professional office address, but don’t actually need the office space just yet is a virtual office. This is a great way to add more professionalism to your business while keeping your home address private. Sure, you might be running your business from your spare bedroom, but nobody actually needs to know that. A virtual office is an address where you can register your business and receive letters and other mail, but you don’t actually go there to work. Any mail you get will be forwarded to your actual address. 

Try a Co-Working Space

If you are a solo entrepreneur or running your business with the help of freelancers and remote workers who aren’t going to come into an office, then a co-working space might be a good alternative. If you miss the social aspect of going into the office to work and feel cooped up and stuck at home alone working on your business, then look out for co-working spaces near you where you can work a few times per week, or every day if you like. Entrepreneurs, freelancers and remote workers all use co-working spaces, so it’s a great way to meet a variety of people and build your professional network too. 

If you’re just starting out with your own business, then your own office space might be an expensive consideration. However, with these cheaper alternatives, you can create the ideal, budget-friendly office environment. 

Moving out on your own is an exciting time. A space to yourself and a fresh start are all adventurous prospects, but before you take the step into this new style of independence, you have to know how to handle your finances. Aside from the initial costs, there are rolling ones to manage as well, and it is always better to be prepared above all else than to fall down when a bill comes through the letterbox. This guide gives you four top budgeting tips for when you are trying to secure your own rental place. 

Understand Your Incomings

It is safe to assume that when the time comes for finding a place for yourself, you have a job or a career to support the venture. But having a job alone is not enough, it is time to sit down with your wage slips and really get to know how much money you have coming into your account on a monthly basis. Most rent payments occur once a month, so even if you get paid in some other format, e.g. once a week or twice weekly, you are still going to have to save or account for that big payment at some point in the month. Your income will also have to cover the rest of the outgoings too. 

Get to Know Potential Outgoings

Rent is not the only factor here, and as daunting as it may seem there are some staple bills to get to grips with. 

  1. Council tax. This figure is dictated by which area you live in and what band the property falls under. You can find this out easily by looking online at your local authority. 
  2. Wi-fi and Entertainment. There are various wi-fi and broadband packages out there to choose from, and it varies from area to area what is available. Expect to pay upwards of £30 for this per month. 
  3. Amenities. Water, gas, and electricity are all standing charges that anyone who lives anywhere can expect to pay. Again, the rates vary so it’s worth checking out before you move to get a better framework of what you could be paying. 
  4. Food Bills. Regardless of whether you shop weekly or daily, there are lots of budgeting tips about food shopping that are worth checking out. 

Scope out Affordable Options

Once you have the first two parts sorted, it is time to try and find affordable options within your means. Start with a credible site like, filter by your preferred area, and see which results make you want to arrange a viewing. You can also check local papers, noticeboards, and social media to see potential accommodations shared and otherwise. 

Stay Within Your Means

When you get the keys, the last thing to remember is that staying within your means is the only way to avoid debt and missed payments. You don’t want all the heartache that comes along with this, so stick to that budget. 

Final Thoughts

Moving out is exciting, but there is a lot to think about before you get through the door of your new place. 

You already know just how rigorous marketing competition can be among companies and organisations. Every business wants to adopt the most client-attractive strategy in all functions, including finance. 

Since clients look for financial documents to validate a company’s authenticity, you must carefully translate all these papers and make them localised for the country you intend to use them in.

Translation Agencies to the rescue

During the process of localisation, most companies overlook some very common mistakes. Although these mistakes look minor, their impact can be quite extensive in the long run. 

Fortunately, working with translators and professional UK agencies which specialise in translation and localisation services as well as language interpreting can solve most of these mistakes. This article discusses three common errors in localisation and their avoidance strategy.

Common Mistakes in Localisation Services

Translating the content on your website is essential, mainly if you deal with international clients. You don’t know which part of the world people would visit your website.

A media service shared its report stating that completely localising websites can boost conversion by 70%, which includes displaying products and currencies in the local language of your audience. However, you must stay vigilant of the three mistakes during financial localisation.

Mistake# 1: Ambiguity

Translating web content for business and corporate use is a tedious job. But since it attracts more clients to your website, you should look for a financial translation service and get it done. However, localising finances sometimes creates ambiguity in the content. 

Even in English, you might have noticed how the slightest mistake changes the meaning of the whole sentence.

For example, HSBC Bank’s slogan “Assume Nothing” was mistranslated to “Do Nothing” in several other languages in 2019. As a result, that year, HSBC spent $10 million to rebrand itself as “The world’s local bank.”

The ambiguity in a simple message often occurs during translation.

For instance, take a financial document that you plan to localise. You hire a translation service provider, and the team begins its process. Although financial experts know every jargon in the financial section, not everyone can understand its meaning without proper explanation.

Once the translation ends, you might think every financial document has been localised. That might be true. But it’s not over yet.

For example, financial statements are full of numbers. Only the left side needs words to describe the transaction concisely. While translating those statements, a single word can create ambiguity even though it looks perfectly translated.

How to Avoid Ambiguity in Financial Localisation?

Financial localisation needs more time than just translating the documents. A team must proofread and compare the translated version to the original document. In addition, a person having little knowledge of the financial sector should go through the document and derive conclusions.

This additional yet mandatory step will ensure the quality of the localised financial document, which is now available to the global population.

Mistake# 2: Punctuation Mistakes

Undoubtedly, punctuation marks hold a significant value in the literary perspective. But that’s not the only context where these marks play a crucial role. If you overlook a single comma or decimal point while counting money, you might lose $100,000 instead of $100.

Punctuation marks separate not only words but currency too. For example,

  • English-speaking countries. People separate thousands using a comma and decimal, ending with a period.
  • European Union. Most European countries, like Germany, use a comma to separate the number’s integral part. For example, one hundred euros and ten cents are 100,10 in the European Union.
  • Switzerland and Liechtenstein. They use apostrophes (‘) to separate thousands in their currencies, the Swiss franc or CHF.

Investors with years of experience in finance-related fields observe these things on your website. They judge your company’s credibility based on how you have displayed the financial information on your website.

How to Avoid Punctuation Mistakes in Financial Localisation?

Keeping an eye on every punctuation mark during financial localisation is necessary. You must hire an expert financial translation service with good industry experience.

These experts know every intricate detail when translating the finances of a company. Moreover, your company’s financial copy must be translated without any mistakes. So while hiring a professional translator, look for their experience.

Their experience should include working in a banking sector or other similar industry experience.

Mistake# 3: UX Without Detail

User experience or UX is the first thing visitors see on your website. So, while translating web pages, it’s essential to consider every detail of UX.

For example, the font, font size, and font colour must remain constant after the website is localised. Sometimes, the translated text doesn’t follow the website’s standard font settings. This repels users who see the translated web pages of your website.

Another common mistake is the difference in text direction. For example, English is from left to right while Arabic is from right to left.

When you localise the finance section, the whole text changes with the language’s direction, this affects the website’s navigation because the scrolling effects will not work the same way.

The original language, which read from left to right, is now from right to left, reversing the scrolling sequence.

This mistake can create more significant troubles for users, like not accessing the correct information or not finding a button. As a result, a client might never return to your website.

How to Avoid UX Mistakes in Financial Localisation?

A web developer must be a part of the financial translation service team to integrate such technicality using plugins. Since a translator can’t fix this issue, a domain expert must work on this.

For more significant projects like an e-commerce website where thousands of web pages translate the text on runtime, your visitor must get the translated text without any:

  • Delay
  • Ambiguity
  • UX Error

A UI/UX member checks the quality of the financial localisation. They know the tiniest detail of a web page and how to enhance the aesthetics of your overall website. So, it’s suggested that after you receive a translation of this nature, you have one or two UI/UX experts to keep your website’s design intact.


While translating your website for international clients, choose the right translation service provider. Always check the portfolio and talk to the account managers before proceeding with their services.

During the website localisation process, ensure that the translators avoid the three common mistakes mentioned above. Many service providers overlook these small errors, and you face the consequences. 

Make a checklist of financial localisation errors and keep an eye during and after your translation is done.