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Benefits To Working From Home Continuing Post-Covid



Over the past 18 months, the entire world has been affected by the global pandemic caused by Covid-19 and has ensured that we have had to change how we have lived our lives dramatically to prevent the spread of the virus. One of the main ways in which we have done this as a globe is to work from home where possible, and with the successes that this has brought to both employees and colleagues, it looks as if its going to be a trend that stick around post-covid.

One of the main benefits to working from home has been that employers have been able to see which of their workforce that they are able to trust, and who is willing and wanting to work hard, even when they aren’t under supervision. Employers have then been able to see how productive each employee is and work out who then can be praised for their efforts with added perks, and who needs to have a performance review on their productivity throughout the working day.

During the lockdown months, whilst employees have been working from home, they have had to find alternative ways in which to entertain themselves, and at TBC, they have seen a surge in numbers during this time. These particular sites guarantee that your casino fun won’t be limited by gamstop at any point, and numbers continue to rise even with coming to the end of the pandemic.

Another benefit to working from home, but this time for the employees, is the money that they have been able to save during this period. There have been multiple different ways in which employees have been able to save money, but the main way has been through their commuting money, as they are now working from home and don’t have to travel to work. Commuting costs can come in an array of different ways including petrol costs, wear and tear on the employee’s car, parking costs, train tickets, bus tickets or any other way in which it costs to get to work.

And finally, working from home has given employees a better work life balance which has in some cases improved the mental health of employees. Because colleagues now have more time at home, they have been able to utilise this time to start work early and therefore finish early, and then use their extra time to do something productive like exercise, learn a new skill, working on their cooking/diet and a whole host of other things, which have promoted a healthier work-life balance.

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1 in 10 are kept awake by the dread of going to work



A recent survey revealed that over 4 in 10 Brits don’t sleep well on an average night, but why?

The study, by And So To Bed, asked 1000 Brits about their sleeping habits to reveal what is most likely to keep them awake at night, the study revealed that over HALF of the UK (55%) can’t hack the heat when attempting to sleep. This was followed by a THIRD being kept awake by anxiety (36%). 1 in 10 admitted that their job and the dread of going to work kept them awake at night.

These are the 20 things keeping the UK up at night

1 Being too hot 55%
2 Anxiety 36%
3 Needing the toilet 30%
4 Partner snoring 23%
5 Your phone 20%
6 Depression 17%
7 The light (street lights or brighter mornings) 16%
8 Being too cold 16%
9 A headache 15%
10 Pain 14%
11 Uncomfortable bed 14%
12 Road traffic noises 13%
13 Neighbours 13%
14 Nightmares 12%
15 Too much caffeine 12%
16 Medical conditions 11%
17 Your period 11%
18 Your job (the dread of going the next morning) 10%
19 Co-Sleeping with a child 10%
20 Partner taking up too much space in the bed 10%

A THIRD of the UK rely on sleeping aids for a restful night- and some are eating kiwis…

So, how are Brits managing to get some shut-eye? A third turn to sleep aids, with two in 10 opting for a herbal remedy and over one in 10 relying on prescribed medication to get some kip.

The study also revealed that nearly a THIRD of Brits are taking naps during the day while working from home in order to catch up after a night of poor sleep.

The things Brits have admitted to doing as a result of poor sleep

Slept elsewhere, such as the sofa, to sleep better 54%
Had a nap while working from home 29%
Fallen asleep on public transport 28%
Recorded your partner snoring as evidence 23%
Hit your partner to stop them snoring 22%
Kicked a partner out of bed to get a better night’s sleep 15%
Tried a ‘hack’ to sleep better 11%
Nodded off behind the wheel when driving 7%
Broken up with or considered breaking up with a partner because of their snoring 6%

Six expert tips for better sleep

Dr Lindsay Browning, psychologist and sleep expert at And So To Bed, shares these six tips for better sleep:

1. Have a regular bedtime and wake time

Keeping a regular wake and bedtime seven days per week will help you sleep better. When you keep a regular sleep schedule your body develops a robust circadian rhythm which helps you to sleep at the right time at night. If you go to bed early and wake up early on weekdays, but stay up late and have a lie-in on the weekend, you are giving yourself weekend “jet-lag” – making it much harder to go to sleep early on a Sunday night ready for another early start on Monday morning!

2. Increase your exercise levels

As well as being essential for overall health, exercise directly impacts your need for “deep sleep” at night. The more you exercise, the more deep sleep you will have. Deep sleep helps you to feel refreshed when you wake up, and helps with sleep continuity. 

Make sure that you exercise during the daytime and not too close to bedtime, as exercise in the evening can sometimes be disruptive to sleep, due to the release of endorphins and adrenaline.

3. Stop your caffeine intake at 11am

Caffeine has an average half life of 5-7 hours. That means that 5-7 hours after your cup of coffee, half of the caffeine is still in your system! Caffeine is not only found in tea and coffee, but also in chocolate and in soft drinks such as cola and energy drinks, including the sugar-free variety. If you have trouble sleeping then it is recommended for you to have your last cup of caffeine of the day at around 11am.

4. Night time digital detox

Make sure that you switch off your electronic devices an hour before bed, in particular, your phone. Smartphones emit blue light which is the same as daylight. This tricks the brain into thinking it is day time which can make it difficult to transition into sleep mode when bedtime rolls around. Try reading a book or meditating before you sleep instead.

5. Have a warm bath before bed

Having a relaxing warm bath before bed, will not only help you to wind down after a busy day, but also the temperature of the bath will help you sleep. When you go to sleep, your body temperature naturally decreases, which is why 55% of the UK find it so difficult to sleep in the heat. 

If you have a warm bath, then you artificially raise your body temperature and when you come out of the warm bath, your body temperature will naturally start to drop, mimicking the drop in temperature that happens as you fall asleep, making you feel sleepier.

6. Don’t lie in bed for long periods if you can’t sleep

If you can’t sleep, then lying still in bed trying to sleep is one of the worst things you can do. The longer you lie in bed trying to sleep and clock watching, paradoxically the more anxious you are likely to get about not sleeping. 

It is much better to get out of bed and do something else for a while instead of lying in bed not sleeping for hours, grab some warm milk or read another chapter of a book- just resist reaching for your phone!”

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Panic sets in as parents worry more about children’s health than their own



As a record 435,430** students head off to university for the first time, internal data from MetLife reveals that more than half (52%) of MultiProtect policyholders have added children to their protection insurance to give themselves greater peace of mind.

When asked what concerns them most, respondents overwhelmingly said the health of their children (67%) and their partner (70%). In fact, parents were found to stress more about the health of their children and partner than themselves; just half (50%) worried about themselves having an accident and 44% worried about social care and health costs.

The COVID-19 pandemic has had a significant impact on young people’s mental health creating a rise amongst young adults aged 17-22 with the figure now at 20% experiencing at least one mental disorder.*** University can be a big period of change so providing access to wellbeing support is critical.  To help offer parents peace of mind as their children leave home, MetLife offers MultiProtect. 

Purchased via a financial adviser, MultiProtect gives flexible, cost-effective cover for a range of specified accidental injuries and UK hospital stays from just £8 per unit per month. Policyholders can claim for multiple injuries and the policy continues allowing multiple claims to be made. Child Cover is one of the three optional cover options from just £1 per unit per month and offers a wide range of benefits including cancer cover and provides protection for children up to 18 years, or up to 23 years if the child is in full-time education such as University. The policy also provides policyholders and their dependants free and unlimited access to a Wellbeing Support Centre. An online portal and telephone helpline is available 24/7 and provides independent and confidential access to a wealth of expert resources, covering issues such as health and wellbeing, emotional support, family issues and bereavement and probate.  

Stuart Lewis, Head of Claims at MetLife UK, comments: “Going to university is a big occasion for many young people. Likely to be the first time they’ve lived outside of the family home and had to look after themselves. While you can’t wrap your child up in cotton wool, having a protection policy in place that covers you and your children while they are in full time education can help to reduce worries and ensure they have the support they need at any time of day.

“This year to date we have paid over £1 million in child claims****. University offers students an opportunity to play the sport they love at both competitive and social levels. The child cover includes protection for accidental injuries from a huge number of sports, and our data shows some of the highest causes of claim are sport related. 

From broken bones to hospital stays, parents can be safe in the knowledge that financial support is available should they need it and can be claimed on for multiple injuries throughout the time students are on the policy. Plus, the Wellbeing support centre provides an additional layer of support to help them cope with the everyday challenges and helping to prevent these becoming a bigger concern over time.”

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Why the digital era isn’t the end for print marketing



Digital marketing continues to grow in this new age of online transactions and endless social media streams. Whether it’s seeing a targeted advert among your Google searches or an engaging competition for you to take part in on Instagram, we’ve all become familiar with these new methods of persuasion.

However, if you’re looking for ways to market your brand, don’t pitch all your tents within the digital landscape. There’s still success to be found among other promotional techniques. One method, print marketing, still has a large amount of influence among consumers. In fact, their use can have significant benefits over their digital alternatives.

Here, we explore why print products still have a role to play in your marketing strategy.

Banner blindness

A key advantage of digital marketing, particularly on the front of paid advertisements on social media, is the ability to target consumer identities. This means that your business can focus its time, attention, and money on promoting its products to only people that have the potential to buy them. For example, a seller of wedding suits would be able to target male customers that are engaged, understanding that they are more likely to buy from them.

However, while the focusing abilities of digital marketing can be useful, your advert may go unnoticed thanks to competition and the number of adverts that appear alongside your promotion. This is referred to as ‘banner blindness’.

Banner blindness is where customers may consciously or subconsciously ignore banner-like content on social media. Essentially, we’ve become so aware of adverts online that we have trained ourselves to look past them.

According to one study, 86 per cent of consumers suffer from banner blindness. This should be taken into account when launching your digital campaign. Find out your advert reach, and then consider that only 14 per cent of people will actually take notice of it.

In this respect, print marketing has significant advantages. The use of direct mail, for example, drives higher engagement rates. In one survey, 75 per cent of direct mail receivers were able to recall the brands that had sent them print products. This shows that consumers have a more profound mental connection with direct mail as opposed to viewing content online.

Businesses should consider how the engagement of digital media compares to print media, understand the investment of both, and why print advertising like direct mail can contribute more to their business.

Trust is key

Digital advertising relies on concepts of data sharing and how your private information is managed. Recently, this has become a subject for scrutiny by the public and technology companies. Apple’s new privacy update aims to clarify what data is shared by private apps and companies. Meanwhile, Netflix’s The Social Dilemma highlighted the expansive profiles that tech companies can build around our public information and searches.

The effect of this reflects a low level of trust in social media and adverts on these platforms. Only 42 per cent of people trust adverts online. This compares to the trust instilled with printed adverts. 61 per cent of consumers say they trust adverts printed in newspapers.

The reasons for this vary. But print products and newspapers are usually recognised as established and familiar. People understand that print is an investment, and therefore businesses that use this method are well-founded and trustworthy. Paper speaks louder than pixels.

Make a statement, not a whisper

Good marketing has a strong message. While digital marketing can be a useful tool for creating loud campaigns, there are still limits to what we can do in the virtual world. In this respect, there are no limits to physical and print campaigns.

The use of billboards, for example, is just another example of increasing innovation in marketing. No longer are print campaigns based around posters. Billboards are now interactive, intelligent, and can generate more conversation than any digital ad.

Advertising its limited drama series, Dracula, the BBC used a billboard as a canvas for shadow art. Wooden stakes were planted into the board, in almost a sporadic fashion. During the day, the billboard appeared intriguing at best. By night-time, spotlights were able to cast a shadow from the stakes’ placement to reveal the image of Dracula himself. This was an intelligent campaign because it relied on the eeriness of nighttime to reveal the monster.

Likewise, chocolate biscuit company Kit-Kat left its billboard half complete, with only part of the poster pasted on a wall, leaving a ladder in its wake. The brand was able to rely on its longstanding motto: ‘Take a Break’. The billboard implies that those creating the poster have taken a break during their work.

In essence, these print campaigns have started a conversation, rather than just a blatant advertisement of a product. Print campaigns continue to prove themselves as the best method for creative advertising, something which is difficult in the saturated sphere of the online world.

Print products have a longstanding tradition within the marketing industry. But while the digital world has dominated conversations around promotional methods in the past decade, it’s unsurprising that businesses are returning to this persuasive and effective advertising technique. Your business should never have to choose between both digital and print. Combined, effective print marketing along with intelligent digital publications can lead your business to success.

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Nearly half of Brits spend all their monthly wage and depend on credit at least once a year



Payday can be a joyous occasion for many Brits, but how many people splash their cash as soon as their paycheck arrives?

Debt management company Lowell has conducted research into the spending habits of Brits following payday, including how fast Brits spend their wages and how many depend on credit following a spending spree.

The cities with the fastest spenders

The research highlighted that spending habits varied across the UK and revealed that Leeds is the city where people spend their wages fastest, with the average person spending 51% of their wage within the first week of payday. Norwich (49%) and Glasgow (48%) closely followed, with Yorkshire and the Humber (47%) and Liverpool (46%) also making the top five.

City Average % of wage spent within the first week
Leeds 51%
Norwich 49%
Glasgow 48%
Yorkshire and the Humber 47%
Liverpool 46%

Out of all the UK cities, Brighton spent the least with the average person spending 39% of their wage within the first week of receiving it.

UK spending habits

Lowell’s research also revealed that nearly a quarter (24%) of Brits do not put any of their wages into savings or ‘rainy day pots’ and with almost one in 10 Brits (9%) spending up to 60% of their wages within the first week of payday, which might be unsurprising to some.

The study also found that half of Brits (48%) spend all their wages and depend on credit at least once a year, with 13% of Brits doing this every month.

John Pears, UK CEO of Lowell, offers his advice on how to manage your money following payday:

“Unfortunately, this research confirms that many people across the UK are caught in the trap of living from payday to payday, but this can be a slippery slope into unmanageable debt if your circumstances were to change unexpectedly. If you’re struggling to keep track of where your money is going each month, try to set some time aside to tot up all your outgoings and build a clearer picture of your expenses. Once you know this, plan ahead by creating a realistic monthly budget that you know you can afford. Sticking to this is a great way to help get your finances back under control and avoid accidental over-spending.

“There are some great budget-planning tools available online if you’d like some help getting started. If you are struggling with your finances, you can find a range of independent and impartial support at our website”

For more information please visit: *

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