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A car buyer’s guide to PCP finance options in Manchester

Buying a new or used car often involves navigating a complex landscape of finance options. In a major metropolitan area like Manchester, where competition among dealerships is high, Personal Contract Purchase (PCP) has become the dominant method for acquiring a vehicle.

PCP is highly attractive because it offers lower monthly payments compared to traditional hire purchase (HP) or a standard loan, giving drivers access to newer and higher specification cars.

However, understanding the mechanics of a PCP agreement is crucial for buyers in Manchester to ensure they secure a deal that truly meets their needs, not just the lowest headline payment. Now let’s break down the essential components of a PCP deal and what local buyers need to consider.

Three key components of PCP

A PCP agreement is effectively a long-term lease with an option to buy. It differs from HP by deferring a significant portion of the car’s cost until the end of the contract. This deferred amount is known as the Guaranteed Minimum Future Value (GMFV).

  • Deposit: This is the initial payment made by the buyer. A larger deposit will naturally reduce the subsequent monthly payments.
  • Monthly Payments: These payments only cover the depreciation of the car over the term of the contract (usually 2 to 4 years), plus interest. Because the large GMFV is not included in these payments, they are kept relatively low.
  • Guaranteed Minimum Future Value (GMFV) / Balloon Payment: This is the predicted value of the car at the end of the term, set by the finance company. It is the final, optional payment required to own the car outright.

The core attraction for PCP finance in Manchester is that the low monthly payments enable easier access to newer, more reliable vehicles suitable for city driving and motorway commutes.

Important considerations for Manchester drivers

When taking out a PCP agreement, buyers in a high-density area like Greater Manchester must pay close attention to the following terms, as they can heavily influence the final cost:

Mileage allowance

This is arguably the most critical variable. The GMFV is guaranteed only if the vehicle does not exceed a pre-agreed annual mileage limit. Given the potential for long commutes into the city centre or frequent weekend travel, it is vital to be realistic about your expected mileage.

Excess mileage charges are typically set at a fixed rate, and can quickly negate the savings from the low monthly payments if exceeded.

Condition of the vehicle

The GMFV also depends on the car being returned in ‘fair wear and tear’ condition. City driving in Manchester often means higher risk of minor damage, such as scuffed alloy wheels or small dents. Buyers must understand the finance company’s wear and tear guidelines to avoid unexpected refurbishment charges at the end of the term.

Interest rates (APR)

The Annual Percentage Rate (APR) should be the primary focus when comparing quotes from different dealerships or brokers in the area. A small difference in the APR can add hundreds of pounds to the total cost over a three or four-year agreement. Always compare the APR, not just the monthly payment figure.

End of contract options

At the end of the PCP term, Manchester drivers have three options, offering maximum flexibility:

  • Return the Car: Hand the car back to the finance company. You walk away with no further obligation. This is ideal for those who want to try new cars and change often.
  • Buy the Car: Pay the GMFV (the final ‘balloon payment’) and take full ownership of the vehicle. This is usually chosen if the car is worth more than the GMFV, or if the driver simply loves the car.
  • Part-Exchange: Use any equity (the difference between the car’s actual market value and the GMFV) as the deposit for a new PCP agreement on a different vehicle. This is how most drivers repeat the PCP cycle.

The takeaway

PCP is popular for good reason. It allows Manchester residents to drive a better, newer car than they might otherwise afford, with low monthly payments and high flexibility at the end of the term.

However, it is essential to focus on the overall cost, be realistic about mileage, and accurately factor in the GMFV. Approaching a PCP agreement with a clear understanding of these mechanics ensures that the convenience and flexibility offered truly translate into a financially sound decision.

Exclusive 12-Week Programme Launched to Help Established Founders Overcome Growth Plateaus

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Multi-award-winning leadership specialist Anna Mosley has launched a new high-level development programme aimed at founders and business leaders who have already built strong six or seven-figure companies and are now preparing to scale further.

Set to open in January 2026, the Extraordinary Leader Programme combines a structured online curriculum with small-group coaching across a 12-week period. Designed for time-pressured founders, the programme creates a focused environment for driven and receptive leaders seeking the mindset, strategic clarity and leadership confidence required to reach eight-figure growth.

Mosley — who has supported thousands of leaders over the past decade and partnered with international brands such as L’Oréal, Boots and LinkedIn — explains that many founders reach a point where operational success alone is no longer enough to support future expansion.

“These founders have done brilliantly to reach six or seven figures and build a team — but in order to scale from here, something has to shift,” Mosley said.

“Most founder have never been taught how to lead. This programme shows them how to become the leader their business needs them to become for this phase of business growth. It gives them the tools, confidence and capability to step into the CEO role of both their business and their life.”

Extraordinary Leader helps founders master how to:

  • Lead themselves — building confidence, clarity and self-leadership capability
  • Lead others — empowering people and developing future leaders, with maximum impact and influence
  • Lead culture — driving high performance, accountability and a team that wins without them

Participants will learn how to free themselves from day-to-day firefighting, and carve out more time to work on their business rather than constantly being stuck in it.

“This programme is designed for the high-achieving yet plateauing founder ready to level up in 2026 — they know they are capable of more, but don’t yet know how to get there,” Mosley added.

“The transformation is profound: participants gain clarity, capability, community and a strategic pathway to scale. They stop feeling stuck, mastering leadership for growth.”

A master in Neuro-Linguistic Programming (NLP) and an expert in high performance culture, Mosley brings a rare ability to make leadership simple, actionable and transformational.

Applications for the Extraordinary Leader Programme are now open.

To register interest or secure a place, visit: go.eighty.academy/eighty-extraordinary-leader

Manchester businesswoman honoured for helping improve communities

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A local Manchester entrepreneur who’s made it her business to help local authorities and corporations understand their communities and stakeholders, is being honoured, as she hits her second year anniversary, with an award that celebrates her as a key figure at the heart of the research industry.

Dr Felicity Heathcote-Marcz, 34, based in Greater Manchester, makes it her mission to help make public sector spending deliver for residents within local communities, and her work with Sheffield City Council, designing and delivering the research behind a City Centre Access & Movement Strategy, has seen her agency Bare Analysis win the coveted CIHT (the Chartered Institution of Highway and Transportation) Award for best Equality, Diversity and Inclusion project.

Alongside Steer consultancy, a global agency with offices in Manchester, and Nota Bene, an SME based in Sheffield, Bare Analysis took a different approach to providing the insights to inform this Strategy for Sheffield City Council. By focussing on ethnographic techniques alongside focus groups and interviews with business leaders, while reaching out to people who are often excluded from traditional consultation projects, such as refugees, those with disabilities and older and younger demographics, the team made sure an exceptionally rich picture of current transport journeys, needs and priorities for the future were fed back to the client.

This month has also seen her celebrate a new client win, as Bare Analysis, taps into innovative methods to help employers in the region. Research has found that the UK economy is significantly affected by long term sickness absence since the Covid pandemic, and in this health focused project Dr Felicity will lead a team focused on understanding the costs to Northern employers of employee sickness absence. They will also look to uncover the impact of chronic pain conditions on the UK workforce. Bare Analysis is working with a team of expert academics and innovators to uncover these costs and provide recommendations for new incentives and treatment options to benefit employees, employers and local government, including the NHS.

Making a name for herself supporting public sector organisations, she’s also worked with West Yorkshire Combined Authority (WYCA), Westminster City Council, Transport for London and Creative Estuary (via RealWorth Consultancy) over the last 2 years – and her expertise was called upon earlier this month when she was a speaker at The Local Transport Summit sharing her insights on ‘Putting people at the heart of transport decisions: Building consensus through user-centred strategy’. She also recently presented on the importance of quality research in a world of AI, as part of a panel discussion at the recent AI summit for the Liverpool City Region.

She said: “Over these last 2 years in self employment I have been involved in the delivery of transport projects that have supported strategic decision making across local government and social value projects. Some of these have put a monetary value on the change to real people’s lives from community interventions. This is what the power of research is all about to me. Uncovering the hidden realities of what change is needed to significantly make a difference to real people, to signpost to clients where change is needed first and most, showcasing the cracks that need fixing via immersive research, to help improve the quality of people’s lives. This helps to make communities stronger – and I’m really grateful that my knowledge and skills enable me to make a difference”.

Dr Felicity founded Bare Analysis in 2023 on an essentialist approach – delivering simple, essential truths which help inform decisions that lead to win-win solutions, both for the user of the services, and from the organisation too. The name ‘Bare Analysis’ was inspired by this essentialist philosophy, along with a trip to the stunning wild Beara Peninsula in Ireland, where the bare beauty of the views sparked reflection on what is essential and important in life.

She has worked with clients across a broad variety of contexts to create positive change, including for local and central government, transport providers, NHS and healthcare companies, banking and ecommerce clients and asset management companies / developers.

ONEEV Strengthens UK EV Offering with New Charger and Rental Partnerships as Plug-and-Charge Technology Approaches

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ONEEV, the UK electric vehicle charging platform, has entered new partnerships with Easee and EVision Electric Vehicles, enabling users to progress seamlessly from hiring an electric vehicle to arranging home charging and accessing one of the country’s fastest-growing public charging networks.

Fresh from receiving the Brand of the Future award, ONEEV now gives drivers access to over 50,000 public chargers in the UK and Ireland, with new locations continuing to be integrated every week.

The partnerships are designed to support the full EV journey — from early trial to long-term ownership and everyday charging.

The new additions include:

  • Easee, the Norwegian smart charging manufacturer with over one million installations worldwide, now offering ONEEV users the ability to arrange home charger installation directly within the app.
  • EVision Electric Vehicles, which operates a national rental fleet of more than 2,000 EVs, giving customers the chance to drive electric while learning how to use ONEEV’s charging tools before making a purchasing decision.

ONEEV is also developing plug-and-charge compatibility ahead of its expected rollout across UK infrastructure in 2026, allowing vehicles to authenticate automatically when plugged in. At present, users benefit from verified live pricing, real-time availability, secure app-based payments, automatically generated receipts, and a reported 99.8% data accuracy rate.

Tim Moore, co-founder of ONEEV, said: “We set out to create an app that simply works for drivers. These new partnerships and our upcoming plug-and-charge capability reflect our continued commitment to delivering the EV experience that drivers deserve.”

Co-founder Lyndon Gough continued: “2026 will be the year the EV market resets around trust, choice, and simplicity. ONEEV is going to be right at the centre of that shift, bringing drivers and charging partners the clarity and reliability the industry has been missing.”

ONEEV continues to grow its platform working alongside multiple charge point operators nationwide.

Find My Surveyor Welcomes New CTO and Co-Founder to Drive UK Property Tech Growth

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Find My Surveyor, the property survey services platform, has named Ryan Osman as its new Chief Technology Officer and co-founder. He joins existing co-founder and Chief Operating Officer, Jack Purdie, marking a key milestone in the company’s development.

The move follows a strong first year in operation, with the business now preparing for wider national reach. Osman’s appointment is expected to accelerate product development, streamline operations, and support growing demand from homebuyers across the UK.

Created to simplify the often slow and confusing process of booking property surveys, Find My Surveyor has taken a different route from traditional comparison websites. Rather than selling customer data to multiple providers, the platform links users directly with one trusted, RICS-certified local surveyor who provides their best price upfront.

At the centre of this model is the platform’s OneQuote technology, designed to make choosing a surveyor far easier. The system assesses criteria including location, availability, and survey type to generate one tailored quote, removing the need for multiple calls or comparisons.

“Our goal is to build the most trusted and efficient route to survey services in the UK,” said Jack Purdie. “With Ryan joining as CTO and co-founder, we now have the technical leadership in place to accelerate development and deliver that at scale.”

Osman has already overseen upgrades to the platform infrastructure, including improvements to booking functionality and matching logic. The site has also been redesigned for greater speed and clarity, supporting more survey types and customer journeys.

Find My Surveyor now provides access to over 15 specialist services, including asbestos reporting, fire risk assessments, CCTV drain surveys, RICS Level 2 and Level 3 surveys, and home condition reports.

“This industry has been underserved by technology for too long,” said Osman. “We’re giving homeowners a modern, straightforward way to get expert survey advice without the hassle or confusion that’s traditionally been part of the process.”

Throughout 2026, the business plans to further expand its network, enhance automation, and continue improving standards in the survey marketplace. With a rapidly growing user base and strong focus on clarity and service, Find My Surveyor is positioning itself as a leading disruptor in residential surveying.

Employee gifting in 2025: North West firms pivot to quality over quantity

North West businesses are fundamentally rethinking their approach to end-of-year employee recognition as budget pressures reshape traditional corporate gifting. The shift represents more than cost-cutting; it’s a strategic realignment that industry experts say could actually strengthen workplace relationships.

Nicholas Lane, director at Merchandise Branding, reports witnessing fundamental changes in how regional businesses allocate recognition budgets. We’re seeing companies move away from the premium hamper model that dominated pre-2020,” Lane explains. “The focus now is demonstrably on meaningful connection rather than monetary value.”

The £20 threshold: Where creativity meets constraint

Data from corporate gifting suppliers suggests many North West firms are working within £15-25 per employee parameters this Christmas, a significant reduction from the £40-60 range commonly seen in previous years. Yet HR professionals report that this constraint is driving more innovative thinking around recognition.

Manchester-based HR director Sarah Chen explains: “When you can’t rely on expensive gifts to convey appreciation, you’re forced to think harder about what actually resonates. Ironically, that often produces better outcomes.”

This aligns with observations from Merchandise Branding, where Lane notes that personalisation has become the differentiating factor. “A £20 gift selected specifically for someone’s interests consistently outperforms a £50 generic item. We’re seeing clients request monogramming, custom messaging, even gift matching based on employee profiles they provide.”

Branded merchandise enters the workplace culture conversation

Traditional branded merchandise, long relegated to trade show giveaways, is being repositioned as internal culture-building tools. High-quality hoodies, premium notebooks, and thermal cups bearing company branding are increasingly seen as identity markers rather than promotional items.

“There’s been a perception shift,” notes workplace culture consultant James Morrison. “Employees, particularly in growing companies, want to feel part of something. Quality branded items can reinforce that identity in ways that generic luxury items cannot.”

The approach works particularly well for scale-ups and SMEs that build distinctive workplace cultures, where brand identification serves strategic purposes beyond mere recognition.

Gen Z expectations drive sustainability requirements

Perhaps the most significant shift in corporate gifting relates to environmental considerations, driven primarily by younger workforce demographics. Gen Z and Millennial employees, who comprise an increasing majority of North West workforces, explicitly expect sustainability alignment from employers.

Lane reports substantial upticks in requests for eco-certified products: “Recycled materials, biodegradable packaging, reusable items—these aren’t requests anymore, they’re baseline expectations. Companies worry about being judged for wasteful gifting choices.”

The sustainability trend coincidentally aligns with budget consciousness. Items like bamboo lunch boxes, collapsible water bottles, and products made from recycled materials often cost less than traditional luxury alternatives, while scoring higher on perceived value among younger recipients.

The hybrid work complication

Logistical complexity has emerged as an unexpected challenge. With hybrid working now standard across the North West, businesses face the practical problem of physically delivering gifts to dispersed workforces without creating a two-tier system that alienates remote workers.

Drop-shipping directly to home addresses has become standard practice, with some businesses coordinating virtual unboxing events via video conferencing platforms. “It sounds gimmicky until you see it work,” admits Liverpool-based operations director Tom Bradley. “Creating that shared moment, even digitally, maintains the team experience we’d otherwise lose.”

The approach requires additional planning; orders must be placed earlier to account for individual delivery logistics. However, it avoids the perception problems that arise when office-based staff receive gifts, while remote workers are overlooked or receive delayed packages.

When handwritten notes outperform premium gifts

Multiple HR professionals interviewed reported unexpected feedback about the impact of personalised written messages. In an era dominated by digital communication, physical handwritten notes acknowledging specific contributions appear to carry disproportionate weight.

“We surveyed staff after Christmas 2024,” explains Stockport-based HR manager Rachel Williams. “The handwritten cards scored highest for appreciation—higher than the actual gifts. That completely changed our 2025 strategy.”

The finding suggests that when budgets constrain the value of gifts, investing time in genuine personal recognition may deliver superior outcomes. Several businesses now allocate management time specifically for writing personalised cards referencing individual achievements, treating it as seriously as the gift selection itself.

Timing strategies: December rush vs January surprise

An emerging minority of businesses are deliberately avoiding the December rush entirely, scheduling employee recognition for January instead. The counter-seasonal approach offers practical advantages, including preventing postal delays, reduced supplier pressure, and competitive pricing, while potentially increasing the psychological impact.

“January is when people actually need a lift,” argues Bolton business owner David Turner. “Everyone expects something in December. A thoughtful gift arriving in January, when the festivities are over and reality hits, has more emotional resonance.”

The strategy remains uncommon but appears to be gaining traction amongst businesses willing to challenge conventional timing expectations.

The retention equation

Beneath discussions of budget constraints and gifting strategies lies a harder business calculation. With recruitment costs continuing to escalate, industry estimates suggest that replacing a skilled employee costs 6-9 months of their salary; investment in retention mechanisms delivers measurable ROI.

“Nobody stays or leaves based on a Christmas gift,” acknowledges workplace consultant Morrison. “But recognition is cumulative. Companies that consistently demonstrate appreciation through whatever means they can afford build loyalty that salary matching alone cannot achieve.”

For North West businesses competing against larger firms with deeper pockets, strategic recognition programmes become essential competitive tools. The shift toward thoughtful, personalised gifting, driven initially by budget necessity, may ultimately prove more effective than the expensive approaches it replaced.

Lane’s assessment: “Economic pressure forced a rethink, but what we’re seeing emerge is probably better practice. Businesses that nail meaningful recognition on modest budgets are building stronger cultures than those who simply threw money at the problem in previous years.”

For businesses developing their Christmas recognition strategy, the evidence suggests that authenticity, personalisation, and genuine consideration will matter more than expenditure. This conclusion should provide some comfort as budgets remain under pressure heading into year-end.

 

Europe’s paper decline highlights how digital workflows are reshaping modern business

New international data points to a major shift in how organisations across Europe are operating, with digital workflows rapidly replacing traditional paper-based processes.

The latest figures from the FAO, CEPI and the UNECE/FAO Forest Products Annual Market Review, combined with analysis from Issuu, show a significant year-on-year decline in paper production, consumption and trade across the continent, reflecting a wider digital-first transformation that is now firmly embedded in workplaces.

For businesses in Manchester and across the UK, the trend underlines a long-term structural change. Paper-heavy workflows are being replaced by digital systems that support speed, collaboration and sustainability targets, reshaping how teams work and how organisations manage information in a post-pandemic economy.

A clear downward trend in paper use

According to the data, European paper consumption fell sharply between 2021 and 2023, dropping from 22.1 million tonnes to 18.7 million. Imports and exports across all major continents also declined, reinforcing the shift toward digital alternatives. Europe, traditionally the world’s most paper-intensive region, is now leading this transition.

Graphic paper, which includes printing and writing grades, has seen some of the steepest declines. CEPI attributes this to digital substitution, the growth of online platforms and the continued erosion of print media. For UK businesses, this reflects what many internal teams already experience: less printed documentation, fewer physical forms and a stronger reliance on cloud-based tools.

Hybrid and remote work have only strengthened this movement. Many pandemic-era behaviours, such as electronic signatures, shared digital workspaces and online documentation, have become standard rather than temporary solutions.

Digital workflows are now built into corporate structures

Across both public and private sectors, organisations are embedding digital-first processes directly into their infrastructure. Employee onboarding, compliance, document storage and interdepartmental communication increasingly rely on digital systems rather than printed materials.

Younger, digital-native employees have helped accelerate this transition. Their preference for electronic reading, annotation and filing means businesses are adapting not only to meet operational needs but to align with workforce expectations.

This shift is also being driven by the rise of cloud-based platforms that reduce friction in daily operations. Digital workflows allow teams to collaborate in real time, access documents securely from any location and reduce administrative duplication.

Energy and cost pressures have accelerated the decline

The pulp and paper industry is one of the most energy-intensive manufacturing sectors. The energy crisis of 2022–2023 placed substantial pressure on mills across Europe, contributing to reduced production and temporary shutdowns. This, combined with widespread destocking after the pandemic, created a sharper short-term drop that aligned with longer-term digital adoption.

For businesses, the economics are more straightforward. Printing, storage, distribution and physical archiving all carry significant costs. Digital documentation, by contrast, reduces overheads and helps companies meet ESG obligations, particularly for firms reporting on resource efficiency and carbon reduction.

Digital systems are reshaping workplace culture

Beyond cost and efficiency, digital transformation is influencing how teams structure their working lives. The rise of e-signatures, online collaboration tools, workflow automation platforms and cloud archives means employees spend less time managing paperwork and more time focusing on value-driven tasks.

Public-sector initiatives, such as digital IDs, electronic prescriptions and online administrative systems, further reinforce the cultural shift. These changes normalise digital interactions and weaken the need for printed documentation at scale.

This is reflected in the broader market data. Europe achieved a paper and board recycling rate of over 79% in 2023, yet consumption continues to fall, showing that the move toward digital-first operations is driven by behavioural change rather than recycling performance alone.

A digital-first future is becoming the norm

The press release highlights a comment from Issuu’s brand manager, Maria Teresa Bogliardi, who noted that while not every country will eliminate paper entirely, global consumption is falling as “individuals and businesses embrace digital alternatives.”

Her statement aligns with what many organisations are experiencing: digital systems are no longer an enhancement to old workflows but a replacement for them.

For companies exploring digital publishing, documentation systems or cloud-based collaboration, platforms such as Issuu can offer flexible ways to transition away from traditional paper-dependent processes and support long-term digital strategies.

What this means for Manchester’s business community

Manchester’s fast-growing tech and professional services sectors are well positioned to benefit from these shifts. As digital-first processes become standard across Europe, local businesses can:

  • Reduce operational costs by cutting unnecessary printing and storage
  • Improve productivity through shared digital workspaces
  • Support ESG targets with lower resource consumption
  • Strengthen hybrid and remote working practices
  • Future-proof administrative and compliance workflows

The decline in European paper consumption is not simply an environmental milestone. It signals a deeper structural transformation in how organisations operate and how employees interact with information.

Digital workflows are becoming the default, and businesses that adapt early are likely to benefit from greater efficiency, stronger resilience and more agile operations in the decade ahead.

 

Choosing the right scissor lift table for your industrial needs in England

Selecting the appropriate scissor lift table is crucial for enhancing safety, efficiency, and
ergonomics in industrial environments across England.

Whether you operate in manufacturing, warehousing, or maintenance, understanding key factors such as load capacity, lift height, platform size, and operation type will help you make an informed decision.

Scissor lift tables must also comply with British and European safety standards like EN1570 and BS:5323:1980 to ensure reliability and worker protection.

Key considerations when choosing a scissor lift table

One of the primary factors to consider is load capacity. It’s essential to match the lift’s capacity to the heaviest load you expect to handle. Light industrial models typically support between 300 and 500 kg, while heavy-duty versions can lift up to 2000 kg or more, making them ideal for production lines that require ergonomic assistance for handling bulky goods.

The lift height should also suit your operational needs; many hydraulic scissor lifts offer adjustable heights ranging from around 300 mm to nearly 2900 mm, allowing workers to maintain comfortable postures and reduce strain.

The platform size is equally important, as it must accommodate the largest items you will lift. Platforms can vary from compact sizes of about 500 x 840 mm to larger dimensions exceeding 1300 x 1350 mm for more demanding applications.

Additionally, the operation type—manual, hydraulic, or electric—should align with your task frequency and intensity. Manual foot-pump lifts work well for infrequent, light tasks, whereas hydraulic or electric lifts provide smoother, more efficient operation for frequent or heavy-duty use.

Ensuring safety, ergonomics, and mobility

Safety features are critical when selecting a scissor lift table. Look for models equipped with locking mechanisms, overload protection, non-slip surfaces, and adequate safety clearances to prevent workplace injuries and protect goods during operation. Ergonomic design elements, such as adjustable heights and easy-to-use controls, further enhance worker comfort and productivity.

Mobility is another consideration. Depending on your workspace layout, you may require
stationary lifts or mobile units equipped with swivel castors and brakes for easy relocation within the facility. This flexibility is particularly valuable in dynamic environments like warehouses or workshops where tasks vary frequently.

Tailoring scissor lift tables to your industry needs

Scissor lift tables serve diverse industries in England, including manufacturing, logistics, food processing, and pharmaceuticals. For hygienic environments, stainless steel lift tables offer corrosion resistance and easy cleaning.

Customised solutions are also available to meet specific requirements, such as unique platform dimensions or enhanced safety features.

  • Assess maximum load weight and platform size
  • Determine required lifting height and clearance
  • Choose operational type based on task frequency
  • Verify compliance with UK and European safety standards
  • Consider mobility and ergonomic features

Partnering with a reputable supplier like Saxlift ensures access to a wide range of high-quality scissor lift tables, including both standard and custom designs. With fast delivery across Europe and expert technical support, Saxlift is well positioned to help businesses across England find lifting solutions tailored to their operational needs, promoting safety and productivity in the workplace.

Charge-M8 and Nemiah Partner to Develop cosmOS BMS Integration for AI-Enhanced EV Infrastructure Management

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Charge-M8 (https://charge-m8.com) has entered into a strategic collaboration with Nemiah (https://nemiah.uk) to create a bespoke adaptation of the cosmOS platform (https://cosmos.energy) for Charge-M8 clients across the UK, Europe, North America and Australasia.

The customised Smart Building Operating System will incorporate Charge-M8’s multi-award-nominated Libra Dynamic Load Balancer (https://charge-m8.com/products-libra/), allowing EV load management to integrate efficiently with broader building management infrastructure.

This partnership brings together Charge-M8’s advanced capability in EV smart-charging hardware and OCPP-based network deployment, alongside Nemiah’s expertise in real-time energy monitoring and IoT-driven building intelligence.

The resulting joint platform will facilitate a direct connection between EV charging demand, site-wide energy consumption and operational decision-making supported by real-time insights.

Charge-M8’s Libra DLB will remain the primary load-management device. By integrating cosmOS with the Libra system, Charge-M8 will extend EV optimisation into a comprehensive smart-building environment. cosmOS, recently awarded the GM LINK innovation programme title, provides live data on energy usage, sustainability metrics and building performance, using IoT connectivity to capture detailed information across systems.

This integration will establish EV charging as part of a unified energy-operations ecosystem, giving organisations the ability to assess and manage assets using AI, automation, fault detection and predictive optimisation.

Deployment will begin across Charge-M8’s commercial operating regions including the UK, Europe, North America and Australasia. The company already delivers solutions for well-known automotive manufacturers and enterprise brands including Rolls-Royce, Volkswagen Group, Audi, BYD and JLR.

Julian Smith, Founder and Managing Director at Charge-M8, said: “Integrating Libra with cosmOS combines intelligent load balancing and real-time building insights. Clients get a clearer view of site operations and the tools to maximise efficiency, resilience, and carbon reduction.”

Steven Tomlinson, CEO of Nemiah, added: “cosmOS is one of the most forward-thinking building-management platforms in the UK. Working with Charge-M8 lets us extend this capability into EV-infrastructure management and opens opportunities to export our cosmOS solution which is extremely exciting for the Nemiah team. It brings buildings and charging systems together within one intelligent operating system.”

About Charge-M8

Charge-M8 is a leading supplier of advanced electric vehicle charging solutions, specialising in cutting-edge charging technology and integrated payment systems, dedicated to accelerating EV adoption across the United Kingdom.
Contact: [email protected] | 0333 242 3328 | charge-m8.com

About Nemiah

Nemiah delivers solutions across commercial, industrial, education, and public-sector environments. Nemiah focuses on sustainability, analytics, and AI-driven automation, forecasting and optimisation.

Contact: [email protected] | 01942 914433 | https://cosmos.energy/

Evostock.com reviews practical tips for trading index CFDs successfully

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In this article, Evostock.com reviews practical tips for trading index CFDs successfully. Contracts for Difference (CFDs) provide a unique opportunity for traders to speculate on the price movements of various financial assets, including stock indices. 

Index CFDs are becoming increasingly popular among traders around the world, including LATAM due to their flexibility, the ability to profit from both rising and falling markets, and the potential to access a range of global markets. 

This article highlights the key factors that traders need to consider in order to trade index CFDs successfully.

Evostock.com Reviews: What Are Index CFDs and Why Are They Popular?

Evostock.com reviews the basics of index CFDs, which are financial instruments that allow traders to speculate on the performance of a stock index without actually owning the underlying stocks. 

An index typically represents a basket of stocks from a particular sector, country, or region, such as the S&P 500 in the United States or the FTSE 100 in the United Kingdom. By trading index CFDs, traders can gain exposure to the performance of an entire market without needing to buy and sell individual stocks.

Evostock.com emphasizes that the popularity of index CFDs lies in their ability to provide a broad exposure to the market. With just one contract, traders can speculate on the performance of multiple stocks, allowing for better diversification and a more balanced portfolio. 

This makes index CFDs an appealing option for traders who want to take advantage of market trends without the complexity of managing multiple individual stock positions.

Evostock.com Reviews: Research and Analysis Are Key to Success

Evostock.com suggests that successful index CFD trading starts with solid research and analysis. Before entering a position, traders need to understand the broader market conditions and the factors influencing the performance of the specific index they are trading. 

This includes studying macroeconomic indicators, such as GDP growth, unemployment rates, and inflation, as well as the political and social factors that can affect market sentiment.

Evostock.com reviews that many successful traders rely on both fundamental analysis and technical analysis when trading indices CFDs. Fundamental analysis focuses on understanding the economic conditions that could impact the stock index, while technical analysis uses historical price data and chart patterns to identify potential entry and exit points. 

By combining these two types of analysis, traders can make more informed decisions and increase their chances of success in the markets.

Evostock.com Reviews: Leverage and Risk Management in CFD Trading

Evostock.com emphasizes the importance of understanding leverage and risk management when trading index CFDs. Leverage allows traders to control larger positions with a smaller capital investment, potentially increasing their profits. 

However, while leverage can amplify gains, it also magnifies losses. This is why effective risk management is crucial to successful CFD trading.

Evostock.com reviews that traders should always use stop-loss orders to limit potential losses. By setting a stop-loss order, traders can automatically close their positions if the market moves against them, preventing significant losses.

Additionally, traders should never risk more than a small percentage of their capital on any single trade. This helps to protect their capital and ensure that they can continue trading even if some positions do not perform as expected.

Evostock.com Reviews: Timing and Market Trends

Evostock.com suggests that timing is crucial when trading indices CFDs. Successful traders often watch for key market trends and take positions that align with the broader market direction. 

Indices tend to move in line with the overall economic and market conditions, so it is important to stay informed about any major announcements or developments that could influence the market.

Evostock.com reviews that traders should also pay attention to market hours and volatility. Different stock indices have different trading hours, and market volatility can vary depending on factors such as economic reports or geopolitical events.

By understanding when the market is likely to be most active, traders can capitalize on volatility and maximize their potential for profit.

Evostock.com Reviews: Diversifying with Indices CFDs

Evostock.com reviews how index CFDs offer an opportunity for traders to diversify their portfolios. Diversification is a key strategy to reduce risk and enhance returns, and index CFDs allow traders to gain exposure to multiple sectors and markets at once. 

For example, by trading a broad market index like the S&P 500, traders can gain exposure to a range of industries, from technology to healthcare, without needing to select individual stocks.

Evostock.com suggests that traders should consider diversifying their CFD trading strategy by trading multiple indices from different regions or sectors. This helps spread risk and reduces the impact of any one market or sector performing poorly. 

A well-diversified portfolio can lead to more stable returns and reduce the likelihood of large losses.

Evostock.com Reviews: Stay Updated with Market News

Evostock.com emphasizes that staying informed about global events is critical when trading index CFDs. Since indices are composed of a basket of stocks, the performance of the index is heavily influenced by news and events that affect the underlying stocks. 

Economic reports, corporate earnings announcements, and geopolitical events can all have a significant impact on the performance of stock indices.

Evostock.com suggests that traders should make it a habit to follow financial news, economic calendars, and relevant market reports. By staying updated, traders can react quickly to market changes and adjust their positions accordingly. 

Additionally, staying informed about global events can help traders anticipate potential market movements, allowing them to take advantage of potential profitable opportunities.

Conclusion

Evostock.com reviews the key strategies for trading index CFDs successfully, including the importance of research, understanding leverage, managing risk, timing trades, diversifying portfolios, and staying updated with market news. By following these practical tips, traders can increase their chances of success when trading index CFDs. 

While CFD trading offers many opportunities, it is crucial to approach it with a sound strategy, risk management techniques, and a thorough understanding of the markets.

About Evostock.com

Evostock.com provides traders with a secure and accessible platform for trading, offering features like leverage, risk management tools, and access to global markets. Evostock Ltd, operating under the regulatory oversight of the Financial Services Commission of Mauritius, holds license number GB21027075. 

The platform offers CFD trading across a range of asset classes, including stocks, indices, commodities, currencies and cryptocurrencies. With its focus on enabling traders to navigate the complexities of index CFD trading, Evostock.com strives to provide the tools and resources necessary for successful trading.