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Using Excel to calculate return on green investment

In a world that’s becoming more focused on the environment, many people in the UK are looking towards green technologies to make their homes and businesses more sustainable.

Solar panels are a prime example. But how do you determine if such an investment is financially savvy? The answer might lie in a tool that many of us use daily: Microsoft Excel.

By understanding how to leverage Excel, you can calculate the ROI for these technologies, ensuring that your choices are both eco-friendly and financially sound.

Benefits of green technologies

There are many reasons to invest in green technologies for your home or business, including:

  • Environmental impact: The primary benefit of green technologies is their reduced environmental impact. Using sustainable energy sources decreases our reliance on fossil fuels, reducing emissions and our carbon footprint. 
  • Reduced utility bills: Over time, adopting sustainable technologies can lead to significant savings on utility bills. For example, solar panels can sometimes generate enough energy to sell back to the grid, earning you money rather than costing you. 
  • Property value boost: Homes equipped with green technologies such as solar panels often see an increase in property value. Prospective buyers are drawn to the reduced energy costs and the eco-friendly appeal.

Calculating ROI with Excel

Calculating ROI isn’t just about subtracting your initial investment from your gains; it’s about understanding the long-term value and potential growth. This is where Excel shines, as you’ll learn if you sign up for a course ( EG this course offers Excel training in London.)

ROI is calculated by taking the net profit from an investment and dividing it by the cost of the investment:

ROI = (Net Profit / Cost of Investment) * 100

However, when considering investments like solar panels, it’s crucial to account for long-term savings. Excel allows us to use functions like PV (present value) and FV (future value) to better understand the value of money over time. 

Plus, things like maintenance or potential interest from loans can impact ROI. By creating a comprehensive Excel sheet, you can factor in all these elements to get a more accurate ROI.

Step-by-step guide to ROI in Excel

  1. Start simple: In cell A1, type ‘Cost of Investment’. In cell B1, input your total investment cost (for example, the cost of purchasing and installing solar panels). 
  2. Determine net profit: Below, in cell A2, type ‘Annual Savings’. In B2, estimate your annual savings from green technology. This could be from reduced energy bills or income generated from selling excess energy back to the grid. 
  3. Add up costs over time: If there are any ongoing costs, list them in column A – for example, ‘Maintenance’ in A3 – and input the costs in column B. 
  4. ROI calculation: Finally, in cell A5, type ‘ROI’. In B5, input the formula: ‘= (B2 – B1 – SUM(B3:B4) / B1 * 100’. This will provide your ROI percentage. 

While this is a basic option, Excel does offer a plethora of advanced functions to give you a more detailed insight. Functions like IRR (Internal Rate of Return) or NPV (Net Present Value) can help you dig deeper into the financial implications of your investments in green technology. 

Understanding the financial implications of shifting to green technologies is crucial. Excel provides a robust platform to analyse these investments in more depth. Whether you’re a seasoned Excel user or just starting out, let it guide you in making an informed decision. 

Best online payment methods in 2023 and how they’re used

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The landscape of online payment methods has dramatically evolved from the early days of the internet.

Nowadays, payment providers offer countless options for consumers and businesses alike. From PayPal to emerging digital wallets, these technologies are reshaping how we transfer money, shop, and even manage subscriptions, all from the comfort of home. 

Let’s explore the top payment systems and trends transforming the financial industry in 2023 and beyond.

Stripe

To begin with, Stripe has recently emerged as a tech-savvy payment solution that caters to the needs of individuals and businesses alike. It excels particularly in serving online e-commerce platforms, subscription-based enterprises, and on-demand marketplaces. Stripe stands out because of its powerful API and comprehensive toolkit. It seamlessly integrates with websites and mobile apps to enable smooth and effortless transactions.

Stripe’s widespread presence in numerous industries establishes it as a powerful competitor in the world of online payments. It’s coming close to PayPal as the top choice for digital transactions, and is becoming increasingly widely accepted.

PayPal

PayPal remains one of the most popular online payment systems in use today, despite being around for around 25 years now. Best known for its ease of use and security features, it has become a favourite among online shoppers and businesses alike—you’ll often struggle to find a site that doesn’t accept PayPal as a payment method these days. 

Notably, it is used in the online gambling industry, but why use PayPal for betting when there are countless other eWallets available these days? Secure transactions are paramount in this industry, as large sums are often exchanged.

Gamblers also often opt for PayPal when betting due to its quick withdrawal processing times, compared to traditional methods like bank transfer or card payments. This speed enables them to access their winnings more swiftly. Globally recognised and trusted, PayPal’s user-friendly design further facilitates fast and secure payments.

Venmo

Venmo – another popular payment service and a subsidiary of PayPal – has seen a rise in popularity over recent years. Unlike PayPal and Stripe, Venmo focuses solely on peer-to-peer money transfers. Venmo is great for splitting bills, sending gifts, or repaying friends and family. Its user-friendly interface and social connections make it particularly popular among the tech-savvy younger generation.

Skrill

For international online money transfers, Skrill has become a preferred choice, whether it’s for sending money to loved ones or making global purchases. Skrill is often used in different industries like e-commerce and online gaming. It offers security and speed similar to PayPal. Skrill is especially preferred for transactions that involve currency exchange. Why? Supporting over 40 currencies, Skrill ensures secure and efficient cross-border transactions with reasonable fees, making it a reliable option for regular international senders.

Square

As of 2023, Square continues to make waves in the payment platform space, catering specifically to small businesses and individual entrepreneurs. Its innovative card reader allows for easy acceptance of credit card payments through a mobile device, eliminating the need for costly and complex systems.

Favoured by small retailers, cafés, market stalls, and individual service providers, Square’s additional features like inventory tracking and customer management have transformed it into a comprehensive payment solution for many.

Mobile wallets

Lastly, the significance of mobile wallets like Google Pay and Apple Pay cannot be underestimated. These platforms epitomise a novel tide of mobile wallet technologies that are impeccably suited for contactless payments.

By harnessing the potential of smartphones and wearable devices, these payment systems permeate various industries, ranging from retail to transportation. They are widely accepted in almost all places that currently take card payments.

They have become extremely popular among tech-savvy consumers who prefer a fast and hassle-free checkout process. By providing a convenient and secure payment method, they have managed to eliminate the need for carrying a traditional bank card.

How To Patch A Hole Effectively In Your Plasterboard Wall

When your home interior is constructed using plasterboard, it is an efficient way to finish off rooms in a building, which is why it is used so much compared to traditional wet plaster. However, one drawback is that plasterboard is susceptible to dents and holes, which can look unsightly if left unrepaired. It is not always possible to cover holes in your walls using picture frames and posters, but it is also not too hard to repair holes in the plasterboard, and it is something anybody with basic DIY skills can do. With the correct tools and preparation, you can repair holes in your plasterboard and make it look like they were never there. You will find details below of the tools you need to repair plasterboard holes in your walls and the techniques you can use to fix them to help make your home look fantastic again.

The Tools & Equipment You Will Need

Before you start patching the hole in your plasterboard, you must take inventory and ensure you have everything required to do the job and plan your DIY project accordingly. You do not need any significant tools for the repair job, but there are some items you require, such as:

Plasterboard – You will need a piece of plasterboard that is bigger than the patch you require, which you can cut to size to make it fit the hole perfectly.
Utility Knife – A sharp knife is vital for cutting straight lines in the plasterboard, and you can also use a bread knife for this task.
Measuring Tape – Having a tape measure handy will ensure you have a piece of plasterboard big enough for the patch, and remember the saying, measure twice, cut once!
Pencil – A pencil is required to mark where to cut and is much better to use than a pen.
Joint Compound – The joint compound is used to smooth the joint between the plasterboard and patch and create a level surface.
Sandpaper – The sandpaper will be used to sand the joint compound and ensure the patch is flat and even with the wall.
A Trowel – You can apply the joint compound to the patch using the trowel.
Mesh Tape – If you are patching a larger hole, this can be handy and make the job much easier.
A Screwdriver – to help remove any screws or nails in the plasterboard’s damaged area.
Paint & Paintbrush – Once the repair is complete, you can paint over the area to ensure it blends in and nobody can notice the repair job.
A Dust Sheet – It is also an excellent idea to have some dust sheets to put down in the area you are working in and help ensure no accidents.

Once you have everything listed above, you can start fixing the hole in your drylining and making it look new again. However, before you start, it is always worth looking online for tips and advice for the repair job, which can help make the job much more manageable for you.

Step One: Preparing The Area

You will first need to prepare the area before the repair begins, which includes moving any potential obstacles and laying down your dust sheets to prevent any mess. Ensure you have plenty of room to move in the work area, assemble all the necessary tools and equipment, and have them in a convenient location. Once your preparation is complete, you can start the repair process.

Measure The Hole

When you are dealing with a small hole, the easiest way to repair it is to draw a square or rectangle around the hole onto the wall. Next, you want to measure the hole to know the patch size you require. Using your craft knife, you can follow the lines you drew on the wall and cut out the square or rectangle.

Cutting The Patch

Once you know the patch size you need and the hole is cut into the plasterboard, you can cut a patch to fit the hole and ensure it will fit snuggly. You must ensure that when you cut the patch, it is slightly smaller than the hole to allow room for the joint compound.

Attaching The Patch

Apply a thin layer of the joint compound around the hole’s edges, press the patch firmly into it and ensure it is flat and level with the wall. If you are dealing with a larger hole, it is an excellent idea to line it with mesh tape first, giving the patch more support.

Filling The Hole

Using the trowel, you now want to apply the joint compound to the patch and wall and fill the gaps, smoothing over and feathering the edges. For larger areas, you may need to use multiple layers of joint compound, and once finished, you must let it dry, referring to the manufacturer’s guidelines on drying times.

Sand & Smooth The Surface

You must sand the surface around the wall and the patch to eliminate bumps and imperfections. You must ensure you are not too aggressive when sanding the area and take your time until the surface is smooth and flat. You want to create a seamless transition between the wall and the patch, and once complete, you are ready for painting.

Prime & Paint

It is often best to paint the entire wall when you want to cover the patched area, as painting one part of it will often make it noticeable. However, if you do not have time, you will need to use some primer and paint it on the area of the wall where the patch is. Once the primer is dry, you can add the first coat of paint to the area, ensuring you apply it smoothly. Let the first coat dry, and then add a second one. Once the second coat of paint is dry, assess whether it needs another one or if the job is complete.

Planning and preparation are vital to completing your task successfully, and they can help you ensure the success of your project. Do plenty of research before attempting this repair, and watch some of the many videos online about repairing plasterboard, which can help make this task seem simple and ensure you do a fantastic job.

5 ways to encourage employees to brainstorm creative, sustainable ideas

Sustainability in the workplace is the talk of the town these days. Given how much the environment needs effective, eco-conscious actions taken as soon as possible, it will remain a hot topic for longer than one can foresee. Small to large companies are among the most prominent players on the environmental stage, influencing how negatively or positively our surroundings are impacted.

For this reason, more and more companies seek ways to shift from unsustainable practices to eco-friendly ones, whether we talk about getting rid of waste sustainably or reducing energy consumption in the workplace. Some upper management representatives are yet to realize, though, how valuable resources their employees are when contributing ideas to developing sustainable strategies.

Regardless of whether it’s easy or challenging, one should never underestimate the resourcefulness of employees. Encouraging them to think creatively and brainstorm solutions can be facilitated by following the tried-and-true recommendations outlined below.

First and foremost, there shouldn’t be such thing as a “good” or “bad” idea

Having someone rain on your parade after you’ve put your heart and soul into an idea, only to see it being trivialized, can be highly discouraging, all the more so in a professional setting. Whether an employee brings forth a concept that is undoable and unlikely to impact the enterprise’s sustainability efforts, there should be no room for judgment, discouragement, bias, or any other disheartening behaviour. Such attitudes can only discourage employees from sharing their ideas in the future.

Give both good and bad ideas the same fair shake; after all, strange ideas can inspire positive, effective initiatives. Keep an equitable stance towards both great and poorer suggestions, and you’ll see how your employees will open like a treasure chest of ideas, engaging in debates and idea-sharing.

Serve as a model

Hardly can an employee engage in sustainable practices that serve a higher purpose when their entire environment is anything but eco-conscious. In order to see them mobilize and make a tangible difference, the upper management and leadership team must lead by example and show commitment to their endeavours. Individuals such as board members or the CEO must be the first to show the way for the staff to follow.

Practical commitment can take numerous forms and must be impactful and large-scale. Something as humble as inviting plants indoors for purer air and reducing pollutants and volatile organic compounds is indeed a healthy practice, but it will likely pass unobserved by many. Conversely, when the company adopts baling solutions for the sustainable disposal of materials like cardboard, plastic, glass, and mixed waste—all of which significantly harm the environment if handled differently—employees are presented with a powerful source of inspiration.

As such, the more involved managers are, the more likely it is that employees will follow in their footsteps. Similar practices will help broaden their perspectives and develop a knowledge foundation on which they can progressively build and explore ideas infinitely.  

Offer idea-sharing opportunities and feedback

It’s commonplace to have highly ingenious and resourceful employees who only demonstrate their skillfulness quietly, in the shadows, without showing significant involvement if unasked so. Sometimes, employees tend to keep ideas to themselves to avoid being judged, or simply because they’re more introverted and shy. You want them to disclose their brilliant ideas, but what can be done when they’re reluctant, and it’s hard to get under their skin? Well, luckily, many things can be done in this respect.

Among the most impactful endeavours is encouraging team members to form teams, talk, and work together. Subsequently, they can validate the results of their peers. After some exercise, even reserved employees will gain the confidence to put their ideas out there without worrying if they turn out to be irrelevant, off-topic, or wrong. They would have already witnessed alternative perspectives that were not that successful, yet were not received with ridicule or judgment.

Acknowledging that a similar initiative is not a one-size-fits-all solution is noteworthy. Sometimes, employees need to work independently, and this approach may be more effective, depending on the company’s needs, structure, and teams. This calls for reassurance that you will always be available to consider their suggestions, ideas, and feedback and develop a safe space where they can freely express their thoughts.  

Make being green a rewarding practice

Among the most impactful factors that influence the engagement of your employees when it comes to involvement in sustainability efforts is how consistent and advantageous the process is. You can simply boost their interest and engagement in these initiatives by implementing a reward and recognition system. Numerous studies demonstrate that the attention and loyalty of employees grow when they are offered and encouraged through substantial incentives, especially more as the teams feel the involvement of an upper management representative.

And this is no revelation; it’s normal to feel greater motivation when there’s personal gain involved as well. For this reason, and per the latest research from SHRM HR University, only 10% of corporations have yet to implement incentives in their policies, whereas 99% of publicly traded companies have already employed short-term incentives to motivate employees.

An example of a “green incentive” can be monetary recompenses. This way, employees associate environmental responsibility with financial rewards, feeling more encouraged to brainstorm ideas to make the process more financially advantageous. The business’ sustainability goals will ultimately become part of their daily tasks.

Empower employees to speak their minds

Making the meeting comfortable and giving employees a voice to say whatever goes through their heads will effectively create room for brilliant ideas to emerge. They must feel in a safe space when the brainstorming sessions start. Additionally, they must feel empowered to take charge of different initiatives, tasks, or projects. When presented with the opportunity to contribute to the sustainability program instead of simply following instructions, they feel more motivated to think creatively and conceive ideas and solutions.

An excellent method to achieve this goal is to build a “green team”. This is a context where employees can debate the points that need improvements and decide which solutions are worth implementing. For additional support, you can also conduct surveys among employees where they can anonymously share their opinions and approaches.

Don’t stress if things don’t go smoothly from the beginning. With enough commitment and time, your employees will begin exchanging ideas and collaborating effortlessly.

Finding the kitchen layout that works for your house

Kitchen designs changed considerably through the years, and no single layout can be considered perfect. Luckily, personality-based formats are accepted and praised for their uniqueness, but introducing trendy or staple trends can make a kitchen like no other. 

Indeed, larger kitchens are now every family’s dream, as they ensure enough space for everyone to dine, cook and chill in the same room. Unfortunately, not all houses have massive rooms for kitchens, which is why you’ll find all kinds of advice on how to make smaller kitchens look spacious and expansive. 

Hence, finding the best layout in accordance with your apartment or house might be difficult. That’s why taking your time and sitting down with the room’s structure will help you figure out where everything goes properly. Here are a few ideas. 

How the U-shaped layout works in almost every room 

The U-shaped design allows you to combine the cooking areas with something more. For example, if you place the cooking unit in the middle of the construction, the sides left can be used as an open-plan living room or even as a doorway. You can play with kitchen corner units in any way because the middle will have the functionality for cooking.

This layout is also more fun to colour, considering that you can coordinate the units with the wall and create a harmonious look. Some of the best colour schemes for your kitchen include tones of green and gold for a simple yet sophisticated look, red and yellow for a livelier kitchen and grey and yellow for a quiet but fancy design. 

An L-shaped kitchen is a timeless and basic design 

The L-design is the most common you’ll see in kitchens because it takes advantage of walls and adequately creates enough space for people coming in and out of the room. This layout is perfect if you want to ease the workflow, for example, if you have a big family or are living with many people in a house. At the same time, if nothing else obstructs the corners of the room, you can place the L-shaped kitchen anywhere as it’s considerably flexible. 

However, the disadvantage of L-shaped kitchens is that you may not have too much space for storage since there are only two rows of cabinets in the upper and lower part of the layout. You have the option to install another row of cabinets to place apparatus and other devices you don’t use regularly, but this only works if your ceilings are high enough. 

How a peninsula is just better than a kitchen island 

Kitchen islands are great for enormous houses and buildings generally. Still, a kitchen peninsula is just better because it doesn’t interrupt the workflow of cooking and also allows people to dine in a similar space while not bothering the cook. 

Still, a peninsula incorporates elements similar to the kitchen island, such as installing lights over the countertops and having a seating area that allows people to communicate and share the space properly. What’s more interesting is that you can add different countertop materials to the design and make the kitchen look unique with less effort. Marble countertops with wooden materials look great together, for example. 

What to add to your kitchen: ergonomic storage 

Kitchen ergonomics isn’t a new thing, but it may be underrated due to its complexity. It includes aspects like the height of every product in your kitchen as well as a layout that allows you to move and sit in such a way that you don’t hurt your back, elbows and neck. 

Ergonomic storage is used to place the things we use most at a hand’s reach to minimise effort. So, if you’re cooking similar meals every day, make sure to put all the cutlery, devices and ingredients somewhere based on your height so you won’t have to bend over or raise your hands to reach for things every day. 

Therefore, when you’re making countertops and similar bodies for the kitchen, it would be best to test different heights to ensure you will cook with ease. 

Why banquette seating is the best option to a traditional one 

Banquette seating is trendy again, and it took us a while to realise how spacious this design is and how much it adds to the room’s uniqueness. A banquette works well almost anywhere in the kitchen, even if it takes up a lot of space. It can also be used as storage, so you can put anything that’s heavy, from cooking appliances to cleaning machines for your tiles. 

You’ll be surprised how many beautiful ways there are to introduce a banquette in your kitchen, from oversized ones that work great for bigger families or curved benches with cosy looks. Of course, you can go bright and bold if you want to, but the versatility of the banquette will amaze you. 

Create a socialisation hub 

Most of the time, we also use the kitchen to chit chat and spend some time together with our families and friends. So, if you’ve got enough space, why not make the kitchen into a hub for socialisation? You can install some storage for board games, books and other products of entertainment when you’re having a cup of tea after dinner. 

A U-shaped kitchen would be best in this case, but if you want to blend it with an entertainment area, it would be best to choose simple colours and designs. Otherwise, the kitchen will look too busy, even if you keep it clean and organised. Tones of grey, black and white are perfect for making the kitchen look balanced while it has different decorations and storage spaces. 

What’s the layout most suited for your house?

Looking for the layout that will make the most of the room is a challenge. While you may need a good architect for such a project, you can also find a good design for your space with enough time and research. However, you should be prepared with a certain budget for so many considerations. 

How severe weather conditions affect mental health

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Imagine strolling down a sunlit street, feeling the warmth on your face.
Life is good. Now, picture the same scene but with torrential rain, a dark skies and chilling winds leave you soaked and miserable. Life feels tough.

This raises a crucial question: How do severe weather conditions affect mental health, mood, thoughts, and behaviour? Psychologists have been grappling with this query for years.

PIA’s survey the significant influence of extreme weather conditions on mental well-being,
including meteorological occurrences that pose both physical and emotional challenges.

It also uncovers a variety of outcomes, including heightened stress, trauma, anxiety,
depression, post-traumatic stress disorder (PTSD), and even sleep disturbances. Areas with
susceptibility to such events report elevated levels of mental health problems compared to
less-affected regions.

If you live in an area prone to severe weather, it’s important to recognise the potential risks
to your mental health.  Here we explore the various ways that severe weather conditions can affect mental health and how we can help ourselves and others to deal with them.

How do severe weather conditions affect mental health?

Severe weather conditions, like hurricanes, tornadoes, floods, and wildfires, can seriously
affect our mental well-being. These events can be very stressful and traumatic, leading to
various mental health problems:

1. Anxiety is when you feel uneasy, worried, or nervous. It can vary in intensity
and may lead to difficulties in concentration and sleep. Following severe weather,
individuals may experience concerns regarding their own safety and that of their
loved ones.

2. Depression is a mood disorder that brings emotions of sorrow, despair,
and a sense of inadequacy. It can change how you eat, sleep, and feel. After
experiencing severe weather, some individuals might find it challenging to cope or
experience happiness in their lives.

3. Post-traumatic stress disorder (PTSD) is a psychological condition that
may arise following a distressing incident. It can include flashbacks, nightmares, and
trouble sleeping or concentrating. After severe weather, some may keep reliving the
event or struggle to feel safe.

4. Social isolation can be brought on by severe weather as individuals are confined to their homes or temporary shelters for prolonged periods. Exacerbated by disrupted communication and transportation networks, feelings of loneliness and helplessness can be brought on. Over time, persistent social
isolation may lead to the development of mental health issues.

How severe weather affects mental health in children and teens?

Kids and teens can be especially affected by severe weather. They might not have the same
tools as adults to cope with such scary events. Here are some common mental health
problems they may face:
1. Nightmares: Children who have experienced severe weather might have nightmares
about it, making it hard to sleep.
2. Fear: They may become afraid of the weather or of being alone. They might even
dread returning to where the event happened.
3. Anxiety: Worries about the future and safety can plague their thoughts, and it may
become tough to concentrate at school.
4. Depression: Some children may feel sad, withdrawn, or hopeless, and they might
lose interest in activities they once enjoyed.

How to manage the mental health impact of severe weather

To deal with the mental health effects of severe weather, here are some steps you can take:

Talk to someone

Opening up to a trusted friend, family member or a professional therapist can be instrumental in navigating your emotions and experiences. This step is essential for both your physical and mental health.

Self-care

Make sure to eat healthy foods, get enough rest and sleep, and exercise regularly. Given the myriad benefits associated with yoga, integrating it into your daily regimen is a particularly wise choice. Together, these habits work harmoniously to alleviate stress and noticeably uplift your mood. Remember, exercising regularly and practicing yoga can also help minimise the negative effects of prolonged sitting.

Join a support group

Many support groups are available for people who have experienced severe weather events. These groups can provide a safe space to talk about your experiences and connect with others who understand what you are going through.

Seek professional assistance

If you are facing challenges, consider talking to a therapist. A therapist can help you to understand your challenges. They have valuable expertise in teaching effective coping techniques and assisting you in effectively managing your symptoms.

Recognising mental health

It is important to recognize that mental health is just as crucial as physical well-being. Our
emotional and psychological health can be influenced by a range of factors, including the
challenges posed by severe weather conditions. Furthermore, a recent report highlights a
concerning projection:

By 2040, one in five individuals in England may face significant health issues. Therefore, placing a premium on your overall well-being is essential, whether you are navigating the literal tempests of severe weather or the metaphorical storms of life.

Barnes blow for Newcastle ahead of Manchester City tie

Newcastle winger Harvey Barnes suffered a “substantial injury” in Sunday’s win at Sheffield United and is expected to be sidelined for “months rather than weeks.”

Barnes, a £38million signing from Leicester City in the summer, limped off after 12 minutes at Bramall Lane – the only negative on an afternoon when Newcastle thrashed the hapless Blades 8-0.

Speaking ahead of Wednesday night’s EFL Cup clash with Manchester City at St James’ Park, boss Eddie Howe confirmed the 25-year-old was facing a lengthy spell on the treatment table.

He said: “It’s an injury to a part of the foot just below the toe, I think it’s quite a substantial injury.

“We’ve had it scanned, we’re waiting now for a specialist’s opinion on what to do next, whether there’s surgery involved or not. I don’t want to put a time on it until we get confirmation from the specialist, but I think it will be months rather than weeks.”

Howe is likely to ring the changes against the European champions, especially with a congested schedule due to their involvement in the Champions League.

He added: “I need to assess everybody physically first from Sunday. There’s a couple of players carrying certain injuries.

“We do have players that are really keen to play and show what they can do. We will have to utilise the squad, especially with what we have coming up next week.”

Maven’s commitment to driving growth in the North West

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The North West is among the most vibrant regions in the UK, with an abundance of high-quality SMEs and start-ups.

As one of the most active investors of high growth businesses in the region, Maven has deployed over £160m in over 170 SMEs since 2009.

It has long recognised the potential in the North West, where it has been active for two decades with a proven track record in pursuing opportunities to scale, empowering ambitious regional businesses with typically 10 to 15 new deals completed each year.

Management of NPIF – Maven Equity Finance

The £122m Fund, part of the £400m Northern Powerhouse Investment Fund (NPIF), supported by the European Regional Development Fund in collaboration with the British Business Bank and 10 Local Enterprise Partnerships (LEPs), was created to support entrepreneurial SMEs in the North who are seeking the capital they require to fulfil their growth potential.

Maven is uniquely positioned to offer investments ranging from £50,000 to £2 million to both emerging and well-established companies across the Northern Powerhouse region, in a wide range of sectors including technology, digital, life sciences and healthcare, which is crucial in providing much-needed investment that SMEs, particularly those in the early stages of their lifecycle, often struggle to secure from other sources.

Since the Fund’s inception, Maven has invested more than £76m in the region, creating over 1,500 new jobs and raising an additional £150m of private sector leverage in the process.

Broad spectrum of resources

Earlier this year, it also launched The HUB run by a dedicated local team, which is designed to deliver a broad spectrum of crucial resources including workspaces, funding, legal guidance, mentorship and networking opportunities.

The provision of these vital tools, supplemented by business support services and a programme of events, is further empowering entrepreneurial businesses in the North West, and contributing to local communities.

Maven’s commitment to the region is also demonstrated by its investment in regional teams and resource. As well as having one of the largest investment teams in Manchester, it also facilitates 1-2-1 investment clinics across its regional office network, including new offices in Preston, Burnley, Liverpool and Southport.

This localised support is in line with its approach of providing bespoke support to help businesses understand and identify the most suitable finance to meet their funding
needs.

Empowering Northwest SMEs

Contrary to the operational investor archetype, Maven strategically positions itself as a support system for companies, rather than a direct participant in daily operations. Its philosophy is built around backing management teams and empowering them to execute their plans, led by the firm belief that businesses in the North West have the talent and capacity to flourish if provided with the right investment and support.

Management teams are the sector specialists and believe in their ability to carry out business plans and capitalise on market opportunities. At the heart of this strategy lies a trust in the people who drive these businesses.

This dual focus on providing financial support and creating a nurturing ecosystem for SMEs has proven successful for the many companies with whom we work in the North West. An excellent example of Maven’s approach can be seen in its work with Pura, a Cheshire based, eco-friendly baby wipes business.

Since its investment in January 2022, Pura’s revenue has tripled. Maven has worked closely with the Pura team to identify suitable financing partners and establish a seasoned management team to drive sustainable business growth.

Making moves in the USA

Alongside Pura, ORCHA Health, has also experienced significant growth following investment from Maven, and the Cheshire-based company is now making strides in the US market.

By utilising Maven’s extensive network, ORCHA has gained access to advisors and management teams experienced in overseas expansion, enabling the company to accelerate its growth. This venture was acknowledged at the Insider North West Dealmaker awards in 2022, named as the sub-£10m international deal of the year.

Commitment to the North West

Biorelate, a Manchester-based biomedical innovator, utilised Maven’s investment to pursue its global aspirations. With our support, Biorelate, which curates biomedical knowledge to empower drug discovery through its proprietary AI platform, Galactic AI, has experienced substantial growth, securing partnerships with global companies such as AstraZeneca and Idorsia.

Maven’s commitment to the North West region, providing a hands-on and supportive approach to backing local businesses and fostering growth, demonstrates how private equity houses can drive economic advancement in the region.

The North of England will continue to be a hub of entrepreneurial energy and technological innovation, and Maven looks forward to continuing its support for the regions’ ambitious growth companies.

Phillips set to start for Manchester City at Newcastle

Kalvin Phillips will start Manchester City’s EFL Cup clash at Newcastle on Wednesday night after earning praise from Pep Guardiola for his starring role in the weekend win over Nottingham Forest.

Phillips has struggled to make an impact at the Etihad following his 2022 summer arrival from Leeds but came on to great effect against Forest, helping City preserve their 2-0 advantage after the 46th-minute dismissal of Rodri.

The England international will remain in the line-up for the trip to Tyneside and get the chance to stake his claim for more regular inclusion with Rodri set to miss the next three domestic games.

Asked about Phillips, Guardiola said: “Not just this week but many, many times since he arrived, he’s been really important. 

“His consistency…he does everything in the game. What happened against Nottingham, it was more defensive, resilient and he helped us breathe. 

“The game tomorrow is important and every single game I’ll decide what’s best for the team.”

Guardiola also hinted at starts for Jack Grealish and Mateo Kovacic at St James’ Park as he rotates his squad. The EFL Cup has been fertile ground for City in recent times – they have won the trophy six times in the last 10 years – but the Catalan admitted it is the least of his priorities as they attempt to match last season’s treble.

He added: “I don’t think about [the fixture list] much, it’s just what’s next which is Newcastle. 

“Now is an exceptional situation, a lot of players are injured and a lot have played a lot of minutes and they have to rest. 

“Tomorrow is important but Wolves, Arsenal and RB Leipzig are much more important. I have to take into consideration the effort in this period and the injuries or we’re going to be in trouble.”

Understanding the basics of UK stock trading

Do you want to learn the basics of UK stock trading?

This article will explore the different sectors of the UK stock market, provide tips for beginners looking to invest in stocks in the UK and discuss the expected trends in the coming months of 2023.

Exploring different sectors of the UK stock market

The UK stock market is divided into various sectors, each representing different industries and companies. The banking, technology, healthcare, energy, consumer goods and telecommunications industries are just a few of the key sectors represented on the UK stock market.

The finance sector is one of the largest in the UK stock market, with major banks and financial institutions listed. Firms like Barclays, HSBC and Lloyds Banking Group are prominent players in this sector.

Technology companies, especially those involved in software development and e-commerce, have also gained significant traction in recent years. Companies like Sage Group, Micro Focus International and Aveva Group are leading the way in this sector.

Other sectors, such as healthcare, consumer goods and energy, also offer attractive investment opportunities. Corporations like AstraZeneca, Unilever and BP are well-known players in these sectors. Investors can choose to diversify their portfolios by investing in stocks from different sectors. This helps spread the risk and potentially increases the chances of higher returns.

Investing in UK stocks: Tips for beginners

If you are a beginner looking to invest in UK stocks, here are a few tips to get you started:

  • Before investing, understand the basics of stock trading, including how the stock market works, different investment strategies and risk management.
  • Conduct thorough research on the companies you are interested in investing in. Look at their financial performance, management team, competitive advantage and growth prospects.
  • Spread your investments across different sectors and companies to reduce the risk of losing all your capital in case of a downturn in a specific industry.
  • Begin with a small investment and gradually increase your exposure as you gain more experience and confidence in the market.
  • Keep track of your investments regularly and stay updated with the latest news and developments in the market. This will help you make informed decisions and take necessary actions when required.

Remember, investing in stocks involves risks, and it is crucial to consult with a financial advisor or do thorough research before making any investment decisions.

Future UK stock market trends: What to expect in the coming months

As we move into the final quarter of 2023, several trends are expected to shape the UK stock market:

  • The technology sector is likely to witness further growth and innovation, driven by advancements in artificial intelligence, cloud computing and digital transformation.
  • Environmental, social and governance (ESG) factors are gaining prominence in investment decisions. Companies with strong ESG practices are expected to attract more investors.
  • With the easing of travel restrictions and the return of international tourism, companies in the travel and hospitality sector are expected to experience a rebound in demand.
  • As companies look to expand their market presence and diversify their offerings, mergers and acquisitions are likely to increase in various sectors.
  • Volatility in Energy Prices: Fluctuations in oil and gas prices, as well as the growing focus on renewable energy, may lead to volatility in the energy sector.

It is important to note that these trends are based on predictions and market analysis, and actual outcomes may vary. It is advisable to stay updated with the latest market news and consult with financial experts for personalised advice.

Understanding the basics of UK stock trading is essential for anyone looking to invest in the UK stock market. By exploring the different sectors, following investing tips for beginners and staying informed about the expected trends, investors can make more informed decisions and potentially achieve their financial goals.