Seek out a good deal on a car
Because you are someone that does not possess much financial power, it will be necessary for you to do as much as you can to seek out the very best value on any car you are thinking about purchasing. Although it can be appealing to go out and purchase a brand-new car, often this can be far more expensive than attempting to pick one up second hand. In order to bring in a good working car on a small budget, it will be necessary for you to look widely around the market and consider all of the options. The main thing to consider here is not to rush into any purchase, as there will always be many other great value cars available on the market.
Find a car financing service
Once you have picked out the best deal for a car, it will be necessary for you to find external financial funding in order to afford a car. Thankfully, there are many companies out there that specialise in providing the funding for people that are looking to purchase a new car. These companies are able to provide you with the necessary amount of money in order to be able to purchase your new car, and you are then able to sign up to a repayment plan that will allow you to pay back the money on a monthly basis over time.]]>
The various nuances involved when seeking legal assistance for debt
Take a look at the various concerns and factors involved if you’re seeking legal assistance for your debt woes contributed by www.woodgrangesolicitors.co.uk.
The credit counseling saga: If you’re facing a challenge in looking for help owing to your debt problems, then there’s credit counseling at your aid. Basically what’s important is the fact that you overcome all emotions of shame and embarrassment that’s working in you. Go ahead and participate in a credit counseling session for it’ll enable you to get the right kind of help and that too when truly needed.
The debt collections trauma: You’ve got to admit that endless phone calls and letters from creditors happen to be the most stressful and traumatic part of the entire debt experience. The good news for you is that as a debtor you’re afforded certain particular wide ranging protections under the Fair Debt Collection Practices Act. It’s under the federal law that applies to your state. It gives you the right to order a debt collector to cease further communications and in this way you can stop all contact from the collector. If and when you exercise that right, the collector has to comply else he or she might face a fine for each violation.
The judgments story: It’s a fact that your creditors can sue you as the debtor and that too on the terms of your loan. You can be sued if you fail to make credit card payments, but each time you’re sued you’re also afforded certain rights. This includes a notification from the creditor each time he or she files a lawsuit. Once you’ve been notified, you’ve also got the right to fight back in court. It’s not always necessary to have a lawyer represent you but retaining legal counsel can definitely help your case.
The scams and snares involved: Since you’re in debt, it’s pretty obvious that you have a great need for help. It’s always advisable that you be very careful when choosing help for your debt related woes, for scams and snares are abundant in this sphere. This is why legal assistance is mostly considered a safe bet and that too for more reasons than one.
Keep in mind the 4 concerns that have been discussed above when tackling your debt problems effectively. Legal assistance is always the best bet.]]>
Saving money can be easy or difficult, but the fact remains that everyone, at some point, needs to put some extra money away. There are a few simple tips that can help you achieve that, provided you are willing to put in the work.]]>
According to the Management of Health and Safety at Work Regulations 1999, employers are mandated to conduct a risk assessment if they have employed women of childbearing years. Additionally, a midwife or general practitioner (GP) can require certain limitations in the MAT B1 certificate. The employer may consider transferring the pregnant woman to lighter duties, when applicable and agreeable to the worker. Safety should be the main concern.
Supervisors and co-workers will at times create a hostile atmosphere for the pregnant worker when they perceive a pregnant worker is taking too much time off for antenatal appointments etc. Additionally, the appointments are paid working time for reasonable periods including travel, when an employee gives proof of appointment when asked.
It is unlawful for an employer or supervisorto tell the employee to schedule appointments during nonworking hours.
There are many forms of pregnancy discrimination; a few of those practices include:
It is the employer’s responsibility to provide a safe and healthy working environment, free from additional stress.
It is unlawfulto terminate a pregnant worker simply because of pregnancy or matters related to that pregnancy, such as taking antenatal appointments and maternity leave. There are valid reasons to terminate even a pregnant worker, for example misconduct, particularly violent misconduct, poor performanceor redundancy.
Maternity leave is a guaranteed right for all workers and a worker on maternity leave should not be terminated, except under rare conditions, such as criminal activity or genuine redundancy. When the employer terminates an employee during maternity leave, they must provide reason for termination. At that time, the employee should consult an employment law specialist to determine the course of action to take.
If in the opinion of the solicitor or lawyer it is an unfair dismissal, then the solicitor could attempt negotiation with the employer, and when that is unsuccessful make application to the Employment Tribunal (ET) for hearing. In that case, the qualifying employment time of one year or two years, if employment commenced after 6 April 2012, is waived. Additionally, the employer bears the burden of proof that the employee’s dismissal was fair and just or that the redundancy is genuine.
There are no caps to compensatory damages forunfair dismissal due to a pregnancy; therefore, damage awards can be substantial.
Redundancy occurs when a worker’s skills or services are not necessary any longer, this could be because the business is moving in a new direction and current technologies are no longer relevant, the business is bankrupt or closing down or the position is no longer required by anyone. An individual might be chosen for redundancy for a diverse number of logical reasons. A pregnant woman or a woman on maternity leave who is selected for redundancy dismissal mightbe part of the fair process of elimination.
In a genuine redundancy, pregnancy or maternity leave status cannot legally be considered. For an employer to say she cannot be terminated because she is pregnant is as much discrimination as terminating her because she is pregnant or on leave.
However, if a similar position within the organisation is open, those selected for dismissal due to their position being redundant, must be given preference over a new employee. When that happens, they are not required to make application or go through the interview process. If they were not considered for the similar position, that would be unfair dismissal.
Although most redundancy claims are genuine, some employer may use that description as a sham, when that happens it is unfair dismissal and the employer could be required to pay more damages at a tribunal than might be awarded in redundancy. Quite simply it’s often cheaper for an employer to make a worker redundant rather than dismissal – this behaviour is unlawful.
There are two legal methods to suspend a pregnant employee, one is for health & safety reasons and the other is if the pregnant woman is on permanent night shift. The employee is due full wages during suspension, unless they refuse an alternative similar position within the current organisation. Employees who refuse alternative similar work face losing their full wages during suspension. For More Information Visit: Employment Discrimination Solicitors
Many of these fraudulent get rich quick schemes depended on a booming property market, coupled with corrupt valuers, surveyors, mortgage brokers, solicitors, investment consultants and financial advisers to facilitate the mortgage fraud however with the sudden drop in the value of property many investors have discovered that the amount of rent is insufficient to pay interest on the loans. Furthermore their properties were often bought at a massive overvalue, negating the necessity to provide a deposit with the lending institutions, usually a bank or building society, who have subsequently sought repayment of the shortfall from the personal assets of the individual borrower. What seemed a cheap, risk free investment at the beginning has, over a relatively short period of time, changed into a financial black hole with massive capital losses, worsening financial responsibilities and the prospect of interest rates rising rapidly in the future. It goes without saying that a large percentage of the mortgage funds advanced by the lending institution will have gone to line the pockets of the dishonest professionals who were involved in the initial deceptive
Mortgage fraud is not only apparent in investment schemes involving private individuals buying domestic property but it also occurs in many commercial property deals relating to the acquisition of assets by companies. In addition criminal gangs target certain lenders and with the assistance of dishonest solicitors, mortgage brokers, valuers and surveyors are able to borrow money in fictitious names against overvalued property before defaulting on payment and escaping with the proceeds. This type of scheme by organised gangs is often carried out on numerous identical properties on large building developments.
If you have been conned in a mortgage fraud all is not lost, even if the Limited Company that you dealt with has become insolvent or has ceased trading. A Limited Company usually gives protection to the directors who can rely on limited liability that does not touch or affect their own personal assets including their house, bank account and stocks and shares, however in the presence of corruption, even in the case of a limited liability company, the court will “lift the veil of incorporation” and will make the former directors personally liable for any debt incurred by the company thereby putting their home, personal assets and future earning power in to play. If the directors have colluded in a fraudulent transaction they cannot rely on limited liability and thereafter it is as if they were dealing on a personal full liability basis. As many of these directors are professionally qualified, some may have accrued substantial personal assets from either legitimate means or as a result of fraud, it may be possible to get judgement against them personally and enforce judgement against their personal assets before, in appropriate cases, making them bankrupt.
Fraudulent 3rd Parties
Even if you did not deal directly with some of the dishonest professionals that were involved and merely put your trust in a mortgage broker, financial adviser or investment consultant who employed these individuals to work on your behalf, they can still be brought in to the legal action and may also be held to be personally liable for fraudulent losses especially if they have facilitated the fraud as a result of their professional standing and expertise. For More Information Visit: UK probate solicitors]]>
Certified Accountants – Association of Certified Chartered Accountants (ACCA).
Chartered Accountant – Institute of Chartered Accountants (ICA)
Breach of the Duty of Care
A typical accountancy professional negligence claim alleges that an accountant’s work has fallen below the established standard of care that is to be expected, which must be met to prevent an unreasonable risk of harm. There are four key elements to recovery of damages in a professional negligence claim :-
The claimant must show that the accountant had a duty of care to the claimant. The normal accountant/client relationship is usually sufficient to establish this duty of care.
The accountant must be proved to have breached that duty of care in such a way that amounts to negligence. The accountant must have behaved in a way that was unreasonable such that no other body of accountants would have deliberately behaved in that way
The claimant must be able to show actual loss or anticipated loss.
It must be proved that the loss was a direct result of the negligent behaviour.
Typically these matters are complex legal issues that cannot be won in a court of law without a team of experts working towards the same goal. Solicitors regularly call upon the services of expert forensic accountants whose primary job is to provide evidence to assist in the prosecution of accountants professional negligence claims. A forensic experts is able to provide evidence on liability as well as quantum and they are well able to deal with the assessment of standards of professional competence. In addition where it is possible to reconcile the issues without recourse to a court of law they are able to assist at various stages of a dispute and have experience of alternative dispute resolution, including mediation and settlement negotiation.
Professional negligence solicitors deal with compensation claims against solicitors, barristers, accountants, architects, surveyors, valuers, estate agents, banks, insurance brokers and financial advisers. Most claimant solicitors will enter into a no win no fee agreement once initial enquiries have been made and they believe that on the balance of probabilities the claim will succeed. They will need to be satisfied that there is a duty of care in existence, the scope of that duty and thereafter establish the quality of the advice and the anticipated level of compensation after investigating the issue of causation and whether or not there was mitigation of loss by the potential claimant. For More Information Visit: Contested probate solicitors]]>
Well, there are too many ways to pay the credit card debts back when you are running out of money temporarily. But, you may use the formula of using a credit card to pay back other credit card debts. In fact, when one credit card got expensive, you can certainly use this method.
The credit cards getting expensive:
The credit cards tend to be expensive in course of time. In fact, when you are getting a new credit card you may find it in a lower interest rate. But, later on the interest rate of the cards tend to increase. In fact, you may get favor out of the card for a year. But, later on the credit cards tend to be expensive. Well, the credit card companies try to attract the debtors in all respect. And that is the reason, while getting a new credit card, the interest rate becomes lower. But, once, the user gets used to with the credit card, the interest rate tends to increase. This is how, the credit cards become expensive.
Getting a new credit card to consolidate the previous one:
Sometimes, the credit card debts may turn out to be too much expensive for you. And you may face trouble in paying back the debts accordingly. Well, in that case, if the bill turns into a debt, you may find yourself in huge trouble.
In fact, it is the credit card debt which gives birth to universal debt. This universal debt enables other creditors to enhance the interest rate of your debts even if you are paying those debts back right on time. So, situations can certainly turn worse if you are being trapped with credit card debt. In that case, you will need to utilize the credit card company’s strategy which actually attracted you towards the plastic.
Get a new credit card which has got very low interest rate. If possible get a credit card of 0% APR for a year. And pay existing debts with this card. In this way, you will get a huge relief from the expensive interest rates which made your life measurable. So, get a new credit card to consolidate the previous credit card debts.
The bottom line:
The credit card debts are the most expensive debt plans in the installment loans money lending market. So, there is no reason to go towards being filed as bankruptcy for credit card. Rather, another new credit card solve the problem easily and you can certainly adopt this formula!]]>
Consider enrolling in an online trading program
Before beginning a journey of online trading, it is imperative to join an online financial trading education program. The Academy of Financial Trading is an excellent place to start. This academy offers innovative, functional, affordable education, and assists traders on a one-on-one basis to make certain the course is tailored to their specific needs. Regardless of whom you are and where you live, this world leader in online trading education is committed to offering accessible, practical and effective education. They conduct live lessons globally, catering to local markets and all time zones. Since the entire program is online, you do not have to compromise work, sacrifice family life or other commitments to enroll. You can access the lessons with your PC, laptop, tablet or mobile device at your convenience.
Set goals and tailor your trading style to them
Blindly jumping into online forex trading just as a way to have a secondary source of income is a recipe for disaster. It is crucial to define the goals you would like to achieve, and then pick a trading method that supports those objectives. Keep in mind that each trading style calls for a different approach, and comes with its own risk profile. For instance, if you choose day trading, you cannot afford to go to bed with an open position. On the other hand, if you have finances that you know will gain from the appreciation of a trade over time, perhaps position trading is more suitable for you. Regardless of the trading style you go with, ensure your personality matches; otherwise, it will lead to stress and even losses.
Pick a trustworthy broker who supports your trading style
Shop around for brokers and deal with the one you feel most comfortable with. However, ensure the broker you choose offers a trading platform that accommodates your style of trading. Take your time to research the difference between brokers. Review each broker’s guidelines, and examine how he/she goes about making a market. For instance, Trading in exchange-driven markets is different from trading in spot market or over-the-counter market. Never fail to read the broker documentation. Moreover, check if the trading platform supports the kind of analysis you want to conduct. For instance, if you want to trade off Fibonacci numbers, the platform must be able to draw Fibonacci lines in the first place.
Be consistent in your methodology
As a trader, you will need to have a system of making decisions regarding execution of your trades before you enter any market. You must obtain the information you need to make a suitable decision whether to stay or exit a trade. Some experienced traders opt to analyse the underlying fundamentals of the economy or company, and then use charts to determine the most appropriate time to execute the trade. Others rely on technical analysis, and use charts only to time a trade. Whereas chart patterns provide shot term trading opportunities, fundamentals fuel the trend in the end. Whatever approach you choose, be consistent but also adaptive to shifting market dynamics.
Compute your expectancy
Expectancy is the procedure you will employ to find out how dependable your system is. The concept is simple. You go back in time and weigh all your trades that were winners against all your trades that lost. Then calculate how profitable your winning trades were compared to how much your loser trades lost. Go as far back as your last ten trades. If you are yet to make a trade, go back to the chart where the system states you should have existed or entered a trade. Determine whether you would have won or lost. Note down the results. Add all your wining trades and divide the result by the number of wining trades.
This history of your credit transactions may show the potential lender something they don’t like, such as a missed payment, or equally detrimental for your loan application, you may have no credit history at all! Credit file systems are used by banks and lenders to gauge how trustworthy or responsible you will be with the money they are lending you. So if you have no credit history at all, it can be as bad or even worse than having bad credit as the lender has no way of judging your trustworthiness when it comes to paying back money. This is one area where guarantor loans are extremely useful.
Matthew, an adviser at ukhomeandpersonalloans.co.uk, sums it up nicely: “a guarantor loan is basically the lender’s way of getting someone to vouch for you. If someone with a good credit profile can guarantee that you’ll pay the loan, it makes it very low risk and easy for the lender to give you the money”. This has been quite common practice amongst landlords for a long time, especially when they have first-time tenants who have perhaps just moved out of home and don’t have a credit file to demonstrate their history of paying the bills. It’s a Catch-22 situation which is why it’s a good thing the guarantor system exists, otherwise many of us would probably still be living at home! The Telegraph has done a good piece on how to build a credit history.
If you have bad credit you might be looking to take on a small loan with a guarantor to help rebuild your credit profile. The loan might be used to clear off other higher interest debts like credit cards and store cards and get your unsecured debt consolidated into a loan which is more manageable with your monthly budget. It’s worth noting that a guarantor loan will also be unsecured unlike a secured loan or mortgage, which uses property as collateral.
Who can be my guarantor?
In reality almost anyone can be a guarantor from the lenders point of view. It’s not for them to decide which friend could be a guarantor and which friend can’t! The real deciding factor will probably be which friend is willing to put their name next to yours and guarantee to make the payments on the loan if you don’t manage to for whatever reason. Often it’s a parent helping out their kids as the guarantor; however, there is no reason why it couldn’t be anyone who is willing. The only real criteria is that they have a good clean credit profile and pass the lender’s checks and that they are not financially linked to you (i.e. not your partner/spouse)]]>
The circumstances of constructive dismissal are situations that involve an environment within a place of work, which is unpleasant and/or oppressive. Although each circumstance is different, the basis of most constructive dismissal claims is that the employee was “forced” to resign due to the climate in the workplace.
It is an employer’s responsibility to provide a workplace environment free from abusive supervisors and unwarranted stress. When an employee’s resignation is compelled by work conditions that are unbearable, the resignation is not voluntary it is a constructive dismissal. The inherent trust within the employer/employee relationship has effectively dissolved. In such cases, an employee might have a claim for compensation.
When this happens, an employee should instruct an employment law solicitor to negotiate a settlement with the employer. If those negotiations fail, the solicitor can assist the employee make an application to the local Employment Tribunal for mediation.
Many situations could lead to constructive dismissal and these should not be seen as the only reasons for a valid claim, these are some conditions, which have been deemed valid:
Constructive dismissal alsohappens when the employer essentially altersthe worker’s position or job description so much that an employee performs tasks not originally part of theiremployment contract. Frequently, the employee has difficulty or finds it impossible to meet expectations brought on by the additional or different workload the changes have created.
Under such circumstances, the employee should notify the employer through an official complaint to give the employer an opportunity to rectify the situation which he or she may not even be aware. When the situation persists, the worker should take advice from a knowledgeable employment solicitor. Most solicitors will advise animmediate resignation. A possible claim could lose strength if the employee continuesin that situation of unacceptable conditions. It could appear that the employee accepts the changes when he or she stays in the difficult situation too long.
A constructive dismissal claim has a better chance of success if the claimant or victim gathers evidence that supports his or her claim prior to resignation. Physical evidence is the best, so hold on to management guidelines, policy letters or emails from supervisors or co-workers with details of abusive conduct. Maintaining a log or journal of specific events with details, such as dates& times, witnesses, and circumstances will enhance the employees’ chances during a hearing before the Employment Tribunal.
The Conditional Fee Agreement (CFA), or more commonlyreferred to as ano win no fee agreement isrecognised across the UK and can be utilisedby solicitors to represent clients in a “no risk” approach to initiate employment claims. That approach gives a solicitor and client a means to pursue a claim without the client, whose budget is already strained by unemployment, paying upfront fees. When there is no compensatory award, there is no fee payable. When there is an award, the client pays the agreed upon percentage as the fee. For More Information Visit: Employment Claims]]>