Business

Barclays has been accused of closing the bank account of a tech entrepreneur because she earns part of her income through the adult content platform OnlyFans.

Madelaine Thomas, who runs a start-up called Image Angel while also generating income through adult content platforms, said the bank refused to open a business account for her company and had shut down an account linked to her work on OnlyFans and similar websites.

Thomas applied for a business account with Barclays for Image Angel, a company she founded after private images of her were shared without her consent. The company’s technology applies digital watermarks to online images, allowing creators to track how their content is distributed and identify when it is shared without permission.

She said she initially received a positive response from the bank when submitting her application, but this was followed by a string of questions about a separate account that received income from her adult content work. She also said Barclays asked about a joint account she holds with her husband, which she uses to pay nursery fees.

“It’s crazy that I’m trying to get a business bank account for technology that is going to change the landscape in terms of violence against women and girls, and yet I’m now being investigated for…I don’t even know what,” she said. “The technology I’m creating is just protecting people. It’s a benefit to society.”

Writing on LinkedIn, she claimed: “Barclays don’t like that I earn via platforms like OnlyFans.”

OnlyFans, which has nearly five million creators and more than 350 million users, has faced similar complaints before. In 2021, the model Jessica Alves said Barclays deleted her account, citing concerns about transactions linked to adult content.

Last year, the Financial Conduct Authority warned banks not to block or shut down the accounts of adult workers without valid reason, saying such actions could cause “significant harm” to the individuals affected.

A Barclays spokesperson said the bank has a responsibility to understand the source of funds associated with any business account.

“Where it is not possible to do so, we will examine each business on a case-by-case basis and only close a customer’s account after careful thought,” the spokesperson said. “We do not take this decision lightly and understand the difficulties this can cause.”

Thomas said she has since opened a business account with another bank.

Read more:
Barclays accused of shutting entrepreneur’s bank account over her OnlyFans work

Make UK has signed a major trade and partnership agreement with the Canadian Manufacturers & Exporters (CME), strengthening industrial ties between the two nations and paving the way for deeper collaboration in areas such as rare earth minerals, artificial intelligence, nuclear technology and defence.

The deal follows a joint statement by the prime ministers of the UK and Canada in June and formalises a shared ambition to expand bilateral trade, investment and technological exchange. Canada is currently the UK’s 16th largest trading partner and the 13th largest export destination for British goods, with annual trade between the countries worth £6.5 billion.

The agreement was signed in Ottawa by Stephen Phipson, chief executive of Make UK, and Dennis Darby, CEO of CME, in the presence of British High Commissioner Rob Tinline and Canada’s Minister of International Trade, Maninder Sidhu.

Under the partnership, the two organisations will increase cooperation between UK and Canadian manufacturing companies, sharing information on science, technology and innovation while promoting trade missions, investment opportunities and commercial exchanges. Defence and security will be a particular focus, reflecting the strong industrial capabilities both nations share in advanced defence manufacturing.

Stephen Phipson said the agreement builds on a long history of collaboration between the two countries.

“This is a welcome agreement which reflects the longstanding and historic relations between the UK and Canada,” he said. “Make UK and CME have developed a strong relationship over many years, supporting manufacturers to invest, create jobs and strengthen supply chain connectivity. Today’s partnership will help boost ties between manufacturers in both countries and support the ambition of both governments to increase investment in critical technologies.”

CME CEO Dennis Darby said Canada and the UK now have an opportunity to build a globally competitive industrial alliance.

“We see real opportunities to deepen collaboration in advanced manufacturing, clean technology and defence procurement,” he said. “Canadian manufacturers are ready to lead alongside our UK partners, and we urge both governments to seize this moment for bold, forward-looking growth.”

The agreement is expected to support firms working in strategic industries, encourage innovation and drive exports in both markets.

Read more:
Make UK signs new partnership with Canadian manufacturers to boost trade and technology collaboration

Pibit.AI has secured $7 million in Series A funding to accelerate development of its CURE underwriting platform, an AI-driven system designed to turn complex insurance submissions into fast, trusted decisions.

The round, led by Stellaris Venture Partners with participation from Y Combinator and Arali Ventures, marks a significant step forward in the company’s ambition to modernise underwriting workflows across the industry.

Underwriting has traditionally been a labour-intensive, document-heavy process, with tools that have barely changed in decades. For Pibit.AI’s founder and CEO Akash Agarwal, the challenge is personal. Growing up watching his father spend long hours sorting forms as an insurance agent, Agarwal later saw AI transform sectors such as autonomous vehicles while underwriting remained rooted in manual processes. That contrast led to Pibit.AI’s founding question: if AI can drive cars, why can’t it drive better underwriting?

Pibit’s solution is the CURE (Centralized Underwriting Risk Environment) platform, which unifies every stage of underwriting—from submission intake and document parsing to research, risk scoring and workflow management—into one intelligent system. Modules such as ClearCURE for triage, DocumentCURE for document intelligence, ResearchCURE for data enrichment, RiskCURE for evaluation and WorkflowCURE for execution allow underwriters to move rapidly from raw submissions to decision-ready output.

Agarwal emphasised that CURE is designed to support underwriters rather than replace them. “AI should empower underwriters, not take their jobs,” he said. “Too many systems prioritise speed over trust. We’re building a platform that is transparent, explainable and gives professionals the confidence to move faster without sacrificing accuracy.”

With submission volumes rising and underwriting talent in short supply, insurers are struggling to maintain efficiency. Underwriters can still spend up to a third of their time on manual data entry and triage. Pibit.AI aims to solve this by combining advanced automation with human verification, ensuring accuracy that withstands audit scrutiny and consistency across teams.

Early results from customers such as HDVI, Shepherd Insurance, RMS Insurance Brokerage, Kinetic and Method Insurance Company show underwriting cycles reduced by as much as 85 per cent, a 32 per cent increase in gross written premium per underwriter and up to 700 basis points improvement in loss ratios. For carriers and MGAs, this has translated into sharper risk selection, increased capacity and faster growth.

Insurance leaders say the improvements are already tangible. Michaela Morrison, COO of Method Insurance Services, said Pibit.AI played a critical role in scaling operations nationally “without losing control”. Adam Price, CEO of Kinetic, added that the platform enables the company to process more than a billion dollars in submissions annually “without scaling overhead costs”, contributing to near-100 per cent premium growth.

Investors say the company is rewriting the way underwriting is done. Alok Goyal, Partner at Stellaris Venture Partners, said the industry has long been held back by manual reviews and inconsistent data. “With CURE, Pibit.AI automates and unifies workflows, improving accuracy, reducing costs and accelerating quote generation. We’re excited to support Akash and the team as they scale.”

Pibit.AI now employs more than 125 people and plans to expand its AI infrastructure, integrations and data partnerships. Its roadmap includes advanced risk models and API layers designed to adapt the platform to new insurance lines and emerging risks.

As insurers face mounting pressure from rising submission volumes and a shrinking talent pool, Pibit.AI is positioning itself as the bridge between human judgment and next-generation technology—turning underwriting from a largely manual craft into an intelligent, scalable science.

Read more:
Pibit.AI raises $7m Series A to bring trusted AI underwriting to the insurance sector

British Airways has been unveiled as the first Founding Partner of the newly transformed Olympia, marking a major collaboration between two heritage British brands as the £1.3 billion redevelopment of the London destination enters its final phase.

The multi-year, multi-million-pound partnership will give the airline naming rights to two new flagship venues and integrate Olympia into British Airways’ loyalty programme, offering exclusive benefits to its members.

Olympia, originally opened in 1886 as an exhibition hall, is being reinvented as a world-class cultural and entertainment district. Once complete, it will feature two new performance venues, two hotels, 30 restaurants and bars, extensive office space and more than two acres of new public areas. The redevelopment aims to re-establish the site as a major hub for live entertainment, innovation and hospitality.

As part of the partnership, British Airways will attach its name to both a major new live events arena and a groundbreaking theatre. The British Airways ARC, located above Olympia’s West Hall and operated by AEG Presents, will open in 2026 with capacity for 3,800 people. A year later, the British Airways Theatre is scheduled to open as London’s largest new permanent theatre in nearly half a century, run jointly by Trafalgar Entertainment and The Shubert Organization.

The partnership also brings a suite of exclusive advantages for British Airways Club members. Visitors will gain access to reserved ticket allocations at every British Airways ARC event via a dedicated portal, with the option to book seats that include entry to the airline’s VIP space, The British Airways Wing. The lounge will offer a cocktail bar and, for selected shows, a private balcony with views over the stage. Members will also be able to earn Avios across participating venues at Olympia, including restaurants operated by Incipio Group such as Juno, set to become the UK’s largest Italian restaurant, and Wolves of Tokyo, a premium Japanese dining and rooftop destination.

British Airways said the partnership reflects its ambition to celebrate British creativity and invest in culture as part of its wider brand strategy. Calum Laming, Chief Customer Officer, described Olympia as an iconic location that will give the airline an opportunity to connect travellers with London’s cultural energy. He said the company was proud to be playing a role in the rebirth of one of the capital’s most historic venues.

Michael Volkert, Chief Executive of Olympia Estates, said the partnership symbolises the fusion of Olympia’s past and future. He noted that the site has welcomed everything from early cinema screenings to concerts by Jimi Hendrix and Pink Floyd, and said the redevelopment will build on that legacy by offering some of the best music, theatre and hospitality experiences in the UK.

Andrew Spencer, Chief Operating Officer of AEG Presents Europe, said British Airways ARC would honour Olympia’s musical heritage while providing state-of-the-art facilities for artists and audiences. Sir Howard Panter, Co-Founder of Trafalgar Entertainment, called the British Airways Theatre a “theatre of tomorrow” and said the project represents an exciting new chapter for London’s performing arts landscape.

The partnership and naming rights agreement were secured by AEG Europe’s Global Partnerships division.

Read more:
British Airways named Founding Partner of transformed Olympia in landmark multi-year deal

Curves, the world’s fourth-largest women’s fitness chain, is expanding its franchise network across the UK and Europe as demand for women-only wellness spaces accelerates.

With the global women’s wellness market now valued at more than £3 billion, the brand says it is uniquely positioned to offer entrepreneurs a proven, low-cost route into one of the fastest-growing sectors in health and fitness.

Founded in 1992 by Gary and Diane Heavin in Texas, Curves was created to offer an accessible, supportive environment for women of all ages and abilities. More than three decades later — and with 3,000 clubs worldwide — the company continues to focus on empowering women through its signature 30-minute, full-body workout and strong community ethos.

Curves attributes its sustained growth to a turnkey franchise system designed to reduce operational complexity and help entrepreneurs achieve profitability quickly. Its operating model combines structured onboarding, strategic marketing support and ongoing business development guidance. According to the company, franchisees typically achieve positive EBITDA within eight months and reach cash-flow breakeven by year two — with top-performing clubs achieving profitability even earlier.

“Women are driving the global wellness economy”

Joanna Dase, Chief of Operations at Curves, said the model is built to help franchisees create immediate impact: “Women are driving the global wellness economy. That’s why our franchise system equips business owners to make an immediate impact on women’s health and fitness, with results from day one. Every partner works closely with an onboarding specialist, business development manager and marketing team — they’re never building the business alone.”

Franchisees receive full support across every stage of the journey, from site selection and club layout to operations, marketing and membership growth. The company says all resources are designed to ensure franchise owners can deliver an exceptional member experience while running an efficient, sustainable business.

Curves’ franchise model requires a total investment of £45,750, which includes the franchise fee, all club equipment and the brand’s proprietary SMART training system — positioning it as one of the most affordable fitness franchises on the market.

The company reports 7.5% membership growth year-on-year, reinforcing the strength of the women-only fitness category even during wider economic uncertainty.

Curves says its combination of affordability, operational support and a longstanding global brand presence offers entrepreneurs a compelling opportunity as demand for women-centred wellness continues to expand.

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Curves targets fast-growing £3bn women’s wellness market with scalable franchise expansion

Nearly one in five prospective home movers has put their plans on hold amid uncertainty over possible property tax changes in next week’s Budget, according to new research from Rightmove.

A survey of more than 10,000 people found widespread anxiety about potential changes to stamp duty, council tax and a possible new “mansion tax” on homes worth over £2 million — all measures Chancellor Rachel Reeves is reportedly considering.

Rightmove said 61% of respondents were aware of rumours about upcoming tax changes, and nearly 80% of that group feared the impact that new levies could have on the housing market. Concern was particularly high among over-55s, with 81% expressing worries, reflecting their greater likelihood of purchasing higher-value homes that could be targeted by reforms.

Regionally, homeowners and buyers in the South East and South West were the most anxious about potential new property taxes.

Colleen Babcock, property expert at Rightmove, said uncertainty was clearly weighing on decisions: “We’ve heard directly from home movers about how it’s denting their confidence. Some are preferring to wait until after the Budget to see how any policy announcements affect their plans.”

Separate Rightmove research found the most popular idea for reforming stamp duty was to spread payments over time rather than demanding the full amount upfront. Other frequently suggested options included adjusting thresholds regionally and offering protections for older homeowners or downsizers.

The concerns echo figures from the Office for National Statistics, which reported that house price growth slowed to 2.6% year-on-year in September, down from 3.1% in August, as buyers delayed decisions until after the Budget.

London saw the steepest contraction, with average house prices falling 1.8% to £556,000 compared with a year earlier. Across the UK, prices rose modestly to an average of £272,000.

Renters continue to be hit hard by rising costs, though the pace of increases is easing. Average rents were 5% higher in October compared with last year, bringing the typical monthly payment to £1,360 — the slowest annual rise since August 2022.

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Budget uncertainty forces home movers to pause plans, Rightmove finds

A New York-based firm disrupts traditional public relations by offering something the industry has avoided for decades: a contractual guarantee of publication or a complete refund.

Baden Bower, which generated $30 million in annual recurring revenue last year, now promises clients coverage in Forbes and 500 other major publications within three days. The company refunds every dollar if it fails to deliver on its promises. AJ Ignacio, CEO of Baden Bower, stated that his firm has processed over 15,000 media features for 3,600 clients across five continents since introducing the guaranteed placement model.

Traditional PR agencies typically charge monthly retainers between $10,000 and $50,000 without guaranteeing any media coverage. Baden Bower’s model eliminates that financial risk entirely.

Traditional Agencies Face Client Exodus

PR executives at established firms have criticized guaranteed placement services, labeling them as paid media disguised as editorial content. Marketing data from 2024 shows 94 percent of executives now rank digital PR as essential for brand growth, creating pressure on legacy firms to adapt their business models.

Baden Bower reported 685 percent year-over-year growth while maintaining a 4.8 out of 5 rating on Trustpilot from 216 reviews. The company earned a 5.0 rating on Glassdoor from employees. Rolling Stone UK named Baden Bower among the top 10 PR agencies in 2025.

“We eliminated the retainer model because clients deserve accountability,” Ignacio said. “Traditional agencies operate in a black box where clients pay monthly fees and hope for results. We only charge when we deliver the publication.”

Speed Replaces Six-Month Timelines

Most PR campaigns require six months or longer to secure a single feature in a major publication. Baden Bower compressed that timeline to 72 hours through proprietary relationships with editors and digital distribution systems.

The company offers real-time dashboards that enable clients to track their campaigns from submission to publication. Each placement includes downloadable publication logos that clients can display on their websites immediately after the story goes live. Clients report conversion rate increases between 20 and 50 percent after securing verified media placement through Baden Bower.

Startups seeking investor funding particularly value the speed advantage. Having “As Featured On Forbes” or “As Seen In Business Insider” on a pitch deck can accelerate funding conversations, according to venture capital sources. Baden Bower serves clients in technology, finance, real estate, healthcare, luxury goods, and professional services sectors.

Data Drives Publication Success Rates

Baden Bower uses proprietary algorithms to match client stories with relevant publications and editors. The system analyzes thousands of previously published articles to identify which story angles resonate with specific outlets.

The company expanded operations across the United Kingdom, Germany, France, Canada, Australia, Singapore, and the Philippines to serve international clients. Staff growth doubled in 2024 to handle increased demand from businesses abandoning traditional PR firms.

“Entrepreneurs need credibility quickly,” Ignacio explained. “Waiting half a year for maybe getting covered doesn’t work when you’re competing for customers, investors, or partnerships. We built our entire infrastructure around rapid, guaranteed results.”

Baden Bower’s client base includes both startups and Fortune 500 companies. The firm secured coverage in publications including Forbes, Business Insider, Entrepreneur, Rolling Stone, and more than 500 other outlets. Each publication agreement specifies the exact outlet, timing, and refund terms before clients pay.

Industry Observers Track Transformation

Marketing analysts watch Baden Bower’s growth as evidence that professional services industries may shift toward results-based compensation. The legal, consulting, and accounting sectors have historically charged for effort rather than outcomes.

Baden Bower reported a 264 percent surge in net profit alongside its revenue growth. The company’s success rate ensures financial sustainability, which supports its money-back guarantee program.

Competitors have emerged offering similar guaranteed placement services, including Otter PR, SmartBug Media, and Spynn.co. However, Baden Bower differentiates itself through access to tier-one publications and its five-continent operational scale. Traditional PR giants, such as Edelman, Ogilvy Public Relations, and FleishmanHillard, continue to operate on retainer-based models.

Critics within the PR industry argue that guaranteed placements undermine journalistic independence. Baden Bower maintains that its placements meet editorial standards and that publications retain final approval over all content. The company positions its service as facilitating legitimate stories rather than buying editorial space.

“We connect newsworthy stories with relevant publications,” Ignacio said. “The guarantee comes from our distribution network and relationships, something we’ve built over the years. Journalists still decide what gets published.”

Risk-Free Model Attracts Skeptical Clients

Businesses burned by traditional PR agencies represent a significant portion of Baden Bower’s client base. Many report paying tens of thousands in retainers to previous agencies without receiving a single media placement.

Baden Bower’s Trustpilot reviews frequently mention the company’s transparency and communication throughout campaigns. Clients receive updates at each stage rather than submitting payment and waiting weeks for status reports.

The 72-hour turnaround time depends on the complexity of the story and publication requirements. Some placements may take longer than three days, although Baden Bower commits to specific timeframes outlined in each contract. The company processes expedited requests for clients with time-sensitive business needs, such as product launches or funding announcements.

Baden Bower’s growth trajectory suggests demand for accountability in professional services extends beyond PR. The company’s success challenges the assumption that service-based businesses cannot guarantee specific outcomes while maintaining quality standards.

Byline: Sophia Mudanza

Read more:
Baden Bower Guarantees Forbes Coverage in 72 Hours or Clients Pay Nothing

A Steady Hand in a Changing Financial World

The world of financial management has changed dramatically since the pandemic. High-earning individuals, especially entertainers, athletes, and digital creators are no longer seeking just accounting support. They want trusted advisors who can balance career goals, global earnings, and long-term security.

That’s where Eric Fulton comes in. Known for his calm approach and focus on fairness, he has built a reputation as a voice of reason in an often unpredictable industry. As the founder and CEO of Fulton Management, he has redefined what it means to manage wealth in the entertainment and sports world.

Building a Business Around Fairness

When he founded Fulton Management in Encino, California, Fulton made one choice that separated his firm from nearly every competitor, hourly billing. Instead of taking a percentage of a client’s income, his team bills for time and complexity. This structure ensures fairness whether the client is a rising musician or a global superstar.

Fulton has said that success should not mean paying more just because you earn more. The approach created a transparent environment where clients understand exactly what they’re paying for. It’s a model that many view as overdue in an industry long dominated by commission-based systems.

Eric Fulton Accountant Philosophy: Transparency Over Percentage

Known for his commitment to transparency Eric Fulton accountant approach to business management is rooted in fairness, loyalty, and honesty. He believes clients deserve a model that rewards efficiency, not income size.

This philosophy shapes every part of Fulton Management. Staff members are encouraged to see clients as long-term partners rather than transactions. Fulton himself still prepares tax returns for clients who have been with him since the beginning, proving that no task is too small for leadership.

This hands-on example has shaped a company culture where accountability is more than a policy, it’s a practice.

From Numbers to Trust

Eric Fulton’s journey began early. By the time he was 14, he was preparing tax returns for friends and family. After earning his accounting degree from California State University, Northridge, he joined Deloitte, one of the top accounting firms in the world.

Those early years taught him discipline and precision. But what shaped his career most was discovering business management while working at Boulevard Management. The mix of finance, career planning, and personal advising appealed to him. It was more than numbers—it was about people.

Fulton went on to launch a series of firms before forming Fulton Management in 2015. Each version of his company carried the same principles: integrity, respect, and service built on trust.

Adapting Financial Strategies Post-Pandemic

For Eric Fulton accountant, the pandemic was a turning point. It exposed how fragile some financial structures were, especially in entertainment and sports. Income streams vanished overnight for actors, athletes, and performers who relied on live events.

In response, Fulton Management re-evaluated how it guided clients. The firm encouraged more diversification investing in real estate, building emergency reserves, and exploring philanthropic tools like donor-advised funds. The goal was to help clients sustain their lifestyles without relying on unpredictable cycles.

Fulton also emphasized a renewed focus on education. He believes clients should understand the “why” behind each strategy. That clarity helps them stay calm when the market or industry shifts.

The Evolving Role of a Business Manager

The modern business manager is no longer just a bookkeeper. Today, they must be part strategist, part risk advisor, and part confidant. According to Fulton, the job now includes career planning, cross-border tax knowledge, and digital transparency.

Technology has transformed how clients expect to engage. Instant reporting and access to real-time data are now baseline expectations. For a firm like Fulton Management, that means building digital systems that support open communication without compromising privacy.

Eric Fulton accountant believes that technology should enhance, not replace trust. While automation can streamline reports, genuine advice still comes from relationships built over time.

Emotional Intelligence Behind the Numbers

What many people underestimate about business management, according to Fulton, is the emotional side. Behind every financial statement is a person navigating life events, marriage, divorce, success, or loss.

Fulton often acts as a stabilizing voice during these moments. His approach is simple: listen, stay objective, and speak the truth even when it’s hard to hear. He believes honesty is more valuable than approval.

That philosophy builds long-term trust. Many of his client relationships have lasted decades, a rare thing in industries known for constant turnover.

Guiding High Earners Toward Financial Resilience

One of Fulton’s core principles is restraint. He teaches clients to live below their means, no matter how successful they become. He reminds them that fame and fortune can fade, but planning and preparation never go out of style.

For high-income clients, this means setting aside reserves, reducing debt, and thinking ahead. Fulton encourages clients to diversify their income streams so they’re not reliant on one project or endorsement deal. His advice is consistent, build wealth with patience, not pressure.

These lessons have made Fulton Management a trusted name among athletes and entertainers looking to protect their futures.

Building a Culture of Loyalty and Respect

Fulton’s influence extends beyond spreadsheets. His team of 45 professionals manages nearly 800 clients across film, television, music, and digital platforms. Despite the scale, the firm feels personal.

Fulton prioritizes team morale through gatherings like paint nights, Dodgers games, and holiday celebrations. Every milestone, whether a wedding or birthday is recognized. To him, the strength of his team directly impacts the service clients receive.

He sees Fulton Management as more than a workplace. It’s a family built on respect, dedication, and pride in doing things the right way.

Mentorship and the Next Generation

Fulton’s focus now includes mentoring the next wave of business managers. He wants to pass down the principles that shaped his own success: fairness, loyalty, and transparency.

He teaches younger professionals to be patient, to take on unglamorous tasks, and to value honesty over convenience. He often reminds them that the best career foundation comes from humility.

This commitment to mentorship ensures that Fulton Management’s values will outlive him. Controlled growth and continuity are his priorities, not expansion for its own sake.

A Reputation Built on Consistency

Over the years, Fulton’s dedication has earned recognition from major publications like Variety, The Hollywood Reporter, and Billboard. But his success is measured less by headlines and more by relationships.

Many of his clients have been with him for decades. They trust him not just for financial advice but for life guidance. His ability to blend technical expertise with personal integrity has made him one of the most respected figures in the business management field.

Outside the office, Fulton’s community involvement is just as notable. He spent seven years with Agoura Pony Baseball, including five as board president, always focused on making the experience positive for kids. He also leads staff donation-matching programs and charity initiatives like “Bagged Lunches for the Homeless.”

The Post-Pandemic Outlook for High Earners

As the economy continues to evolve, Fulton believes that high-earning clients must adopt a mindset of proactive stability. Instead of chasing short-term returns, they should build sustainable systems that prepare them for downturns.

He encourages clients to see financial management as a lifelong partnership rather than a reactive service. By combining clear communication with disciplined planning, he helps them create resilience in uncertain times.

This focus on longevity is what sets Fulton Management apart. It’s not about rapid growth, it’s about lasting value.

Final Reflections on a Career Defined by Integrity

Eric Fulton’s career shows that doing the right thing consistently can still lead to success. He has proven that fairness and transparency are not outdated, they are essential.

In an industry often driven by flash and fame, Fulton’s steady leadership has made him a rare constant. Whether advising a chart-topping musician or an emerging athlete, his message stays the same: plan wisely, act with integrity, and always think long term.

Through decades of change, Eric Fulton accountant continues to remind his clients that wealth means more than money. It’s about peace of mind, accountability, and relationships built on trust.

Read more:
Eric Fulton Business Manager Redefines Fairness in Financial Strategy

Europe’s efficient trains and buses are legendary, connecting major cities with impressive speed. But for travelers who dream of discovering the continent’s true soul—the hidden villages, scenic vineyards, and breathtaking landscapes that exist between the capitals—a rental car isn’t just an option; it’s the ultimate key to freedom.

With services like Localrent, comparing offers and booking the perfect car is quick and effortless—all sorted before the journey even starts.

Why a Car Unlocks a Different Europe

Escape the tourist bubble.

While trains connect you from one magnificent city center to another, a car allows you to escape the well-trodden tourist path. The real, living Europe thrives in the countryside: a Tuscan farmhouse producing its own olive oil, a fjord-side village in Norway, or a rustic taverna on a quiet Greek island. These are the places you simply can’t reach without your own wheels.

Conquer the iconic scenic drives.

Europe is a continent built for road trips. Imagine navigating the hairpin turns of the Amalfi Coast, cruising through the fairy-tale castles along Germany’s Romantic Road, or witnessing the dramatic cliffs of the Scottish North Coast 500. These world-famous journeys are experiences in themselves, and they are exclusively for those behind the wheel.

Practicality for regions.

Trying to explore a specific region in depth by public transport can be time-consuming. Want to visit several charming towns in Provence, explore the chateaux of the Loire Valley, or hop between lakes in the Austrian Alps? A car makes this incredibly efficient, allowing you to cover more ground on your own schedule without returning to a central hub each night.

Cost-effectiveness for families.

For two or more people, renting a car can be surprisingly economical. The cost of a weekly rental and fuel often compares favorably to the price of multiple long-distance train tickets. For families, it eliminates the stress of hauling luggage and children through crowded stations and offers a flexible schedule that suits everyone’s pace.

What to know before you go: a road trip checklist

Driving in Europe is a fantastic experience, but it comes with its own set of rules. Being prepared is essential.

Documentation is key

Driver’s License: You must have your valid national driver’s license.

International Driving Permit (IDP): For travelers from the US, Canada, Australia, and many other non-EU countries, an IDP is a mandatory supplement to your license in many European countries. Check the requirements for each country you plan to drive in.

Passport & Credit Card: Always have your passport with you. A major credit card in the driver’s name is non-negotiable for the security deposit.

Insurance: Your peace of mind

Never waive on proper insurance. The basic coverage comes with a high excess (deductible), often €1,000 or more.

Strongly consider purchasing a full coverage package from the rental company or ensuring you are covered through your credit card or a third-party provider. This small extra cost can save you from massive bills and immense stress.

Navigate tolls and vignettes

Tolls: Many European countries (like France, Italy, and Spain) have extensive toll highways. They are fast and well-maintained, but can be expensive. Have a mix of cash and a credit card ready.

Vignettes: Other countries (Switzerland, Austria, Czech Republic) require a “vignette”—a sticker you purchase and display on your windshield to use their motorways. You can buy these at border gas stations. Driving without one results in heavy fines.

Master the ZTLs and city centers

This is crucial in Italy, but similar restricted zones exist in other countries. Zona a Traffico Limitato (ZTL) are historic city centers where unauthorized vehicle access is prohibited and monitored by cameras. Fines are automatic and steep. Always confirm with your rental company where you can and cannot drive, and park on the outskirts to explore city centers on foot.

Standard vs. automatic transmission

Manual transmission (stick shift) cars are the standard and cheapest option in Europe. If you need an automatic, you must book it well in advance, as they are less common and more expensive.

The unwritten rule of the roundabout.

Roundabouts are everywhere. The universal rule is simple: vehicles already inside the roundabout have the right of way. Wait for a safe gap before entering.

The verdict: is it worth it?

If your dream European vacation involves iconic cities like Paris, Rome, or Barcelona, and you’re staying within city limits, you may not need a car. But if your heart is set on the rolling hills of Tuscany, the dramatic coasts of Ireland, or the alpine passes of the Alps, then a rental car is not just a convenience—it’s the very essence of the adventure. It transforms you from a spectator into an explorer, turning the journey between destinations into the highlight of your trip.

 

Read more:
The Key to the Real Europe: Why Renting a Car is a Must for the Ultimate Adventure

Equipment breakdowns hit businesses hard. Manufacturing firms now lose over £260,000 per hour when production stops unexpectedly—that’s 50% more than in 2019.

Most companies still wait for things to break before fixing them. This reactive approach costs far more than planning ahead with proper equipment management software. Prevention beats panic every time.

The Real Cost of Equipment Failures

When a machine breaks down, the repair bill tells only part of the story. A £500 component replacement can trigger thousands in additional costs.

Production stops dead. Workers stand around getting paid whilst nothing gets made. Rush delivery of spare parts costs two or three times normal prices. Weekend callouts mean double labour rates.

Take this example: A bakery’s main oven fails on Friday afternoon. The repair costs £3,000. But they also lose £12,000 in weekend production, pay £4,000 in overtime to catch up, and face £2,000 in penalty fees for late deliveries. Total damage: £21,000.

Contract penalties kick in when deliveries run late. Perishable materials go to waste during long shutdowns. Customer confidence takes a hit. Staff morale drops when every day brings another crisis.

The hidden costs add up fast. Emergency repairs drain budgets. Teams get stressed jumping from one breakdown to the next. Good technicians leave for calmer workplaces.

Why Prevention Wins

Fixing things before they break saves serious money. Every pound spent on planned maintenance typically saves five pounds in emergency repairs. Yet many businesses resist this approach.

The problem lies in how we see costs. Breakdowns scream for attention—alarms sound, production stops, phones ring. Planned maintenance whispers in the background. Managers notice the noise, not the silence.

Start small to prove the point. Pick your most troublesome equipment. Track what it currently costs in repairs, downtime, and lost production. Then implement basic checks and see the numbers improve.

Getting management buy-in makes or breaks prevention programmes. When bosses back maintenance over meeting daily targets, workers feel safe flagging potential problems early.

Some teams worry that scheduled maintenance disrupts production. Schedule work during shift changes or natural breaks instead. Brief planned stops prevent lengthy unplanned ones.

Prevention changes everything once it takes hold. Teams spot problems early. Repairs happen during convenient times. Costs drop whilst reliability climbs.

Technology That Actually Helps

Sensors watch equipment constantly. They spot tiny changes in vibration, temperature, or pressure that signal trouble ahead. These early warnings let you fix problems before they cause shutdowns.

Smartphones put maintenance histories in technicians’ pockets. Scan a QR code and instantly see past repairs, parts lists, and troubleshooting steps. No more hunting through filing cabinets or waiting for someone to find the right manual.

The system reminds you when routine work is due. It creates work orders, books technicians, and checks parts availability automatically. Nothing gets forgotten during busy periods.

Managers get dashboards showing what’s working and what needs attention. One manufacturer cut unplanned downtime by 35% within six months using this approach. They saved £180,000 annually whilst boosting production by 12%.

Modern tools make maintenance predictable instead of panicked. They turn your maintenance team from firefighters into prevention specialists.

Quick Wins You Can Start Today

Big improvements don’t need big budgets. Focus on changes that show results within three months.

Target Your Worst Offenders:

Find equipment that eats your maintenance budget
Add up repair costs, downtime, and lost production
Focus on the 20% of machines causing 80% of problems
Look for patterns in when and why they fail

Start with your “problem children”—the machines that constantly need attention. These usually offer the biggest savings potential.

Write simple checklists for daily equipment checks. Cover basics like lubrication, cleaning, and visual inspections. Small problems caught early don’t become big expensive ones.

Fix your spare parts mess. Stock what you actually need for frequent failures. Get rid of obsolete parts gathering dust and tying up cash.

Teach machine operators to spot warning signs. Strange noises, unusual vibrations, or performance changes often predict failures. A quick heads-up from an operator can prevent a major breakdown.

Set a three-month timeline with clear goals. Week one: identify problem equipment. Week two: train operators on warning signs. Month two: implement daily checks. Month three: measure improvements and expand what works.

Track simple numbers like breakdown frequency, repair costs per machine, and unplanned downtime hours. Celebrate early wins to build momentum.

Getting Your Team On Board

People make or break equipment reliability. How operators use machines and how technicians maintain them matters more than expensive monitoring systems.

Core Training Areas:

Safe operation and startup procedures
Daily checks and warning signs to watch for
Basic fixes and routine maintenance tasks
Proper reporting and documentation
Emergency stops and safety protocols

Two hours teaching correct operation procedures can prevent thousands in damage costs. Show operators load limits, proper startup sequences, and shutdown steps.

Train multiple people on each type of equipment. This prevents chaos when someone goes on holiday or leaves the company.

Build a culture where everyone cares about equipment condition. Praise workers who report potential problems or suggest improvements. Make maintenance everyone’s job, not just the technicians’.

Investing in training pays back quickly. Operators who understand their equipment cause fewer problems and spot issues faster.

Turn Your Data Into Savings

Your maintenance records hold clues about future problems. Most businesses collect this information but never use it to predict what happens next.

Numbers Worth Watching:

How often each machine breaks down
What maintenance costs by equipment age and type
Whether problems follow seasonal patterns
Which suppliers deliver quality parts on time
How long different repairs typically take

Look for patterns in component failures. If the same part fails repeatedly, dig deeper. Maybe environmental conditions, operating methods, or design flaws need addressing rather than just swapping parts.

Rate your suppliers on delivery speed, part quality, and service response. Use this information when negotiating contracts or choosing new vendors.

Schedule maintenance based on actual equipment condition rather than calendar dates. Some machines need attention every 500 hours of operation, others every 1,000 hours. One-size-fits-all schedules waste money.

Failed parts tell stories. High failure rates might signal approaching end-of-life for aging equipment. Declining failure rates show successful prevention efforts worth copying elsewhere.

Start Your Transformation

Equipment management success comes from combining smart prevention, useful technology, and good training. Pick one or two changes to start with rather than trying everything at once. Small wins build confidence for bigger changes later.

Read more:
The Smartest Way to Reduce Equipment Downtime and Repair Costs