Blog Blog Copyright by en Thu, 04 Jun 2020 17:38:55 -0400 How to make a personal injury claim An accident can happen to anyone at any time. This is why most people have insurance to cover them against personal injury. In case you sustain an injury as a result of the negligence of a third party or in your workplace, then you are entitled to be compensated. Personal injury compensation can be in three ways. Personal injury as a result of work-related claims, personal injury due to medical negligence, or general injury as a result of an accident. 

1. Report Accident and Get treatment 

When you are involved in an accident and you sustain an injury the first step is to ensure that you undergo a medical examination and get treated. Depending on your jurisdiction, once you get treated the medical practitioner can help you in filing a report about the accident. There are jurisdictions where the medical expert will provide everything needed to file a report of an accident. 

In case the accident happens in the workplace, it is important to file a report with the organization you are working for. The trick in reporting is that you should report the accident to authorities or individuals you believe are responsible. For instance, if you get a personal injury from medical injury, then you should report to the hospital. 

2. Determine if the injury is covered by Insurance 

When you sustain a personal injury and you have insurance cover, it is just natural to file a claim. However personal injury claim insurance policies differ. This is the reason why it is important to look at the injury you have sustained and the insurance policies involved. 

Personal injury claim compensation takes place when the third party who has caused the injury has an insurance cover. Furthermore, in case you have insurance cover against personal injury, then you can make a claim. Depending on the insurance policy, you will be viable to make a claim. It is always good to look at the insurance policy comprehensively to make sure that your injury is covered. 

3. Gather Evidence 

If the injury sustained is not fatal and you are in a position to be conscious, then you should take note about the injury. This involves the address and condition of the place where you sustained the injury. You should also have a record of the circumstances that led to the accident. This information will be important to you when making a claim for compensation. 

Furthermore, in case you incur expenses as a result of the injury, it is also recommended to keep a record of all the expenses incurred. These expenses include the cost of medication, travelling costs, and even compensation as a result of being unable to work because of the injury. 

4. Seek legal advice 

Making a claim is a legal matter and it is best to involve an expert. In case you do not know how to make a personal injury claim, you can seek legal advice. Although you will incur attorney fees, you are better placed to receive higher compensation as opposed to going to it alone. 

Most insurance companies will try to make the least payment and as a result, it is better to involve a legal expert in the whole process. You should work with a legal expert who specializes in personal injury cases instead of a jack of all trade. 

5. Lodge a Claim 

When everything is in order then you can lodge a claim for compensation. At this point, it is important to make a decision whether you want to hire a personal injury attorney or you will file the claim on your own. It is recommended to hire a personal injury lawyer to guide you through the process so as to increase the chances of receiving compensation.

You should lodge your claim by following the advice given by the legal expert. It is important to note that it is not a must to file a suit so as to get compensation. This will only be necessary if the matter is not resolved by the insurance company or a third party involved. 


It is always important to know how to file a claim for personal injury compensation. When you file a claim using the correct procedures and guidelines as provided above, you will have a better chance of getting compensated. 

Uncategorized Editor Thu, 21 May 2020 08:33:31 -0400
Important Questions That You Need to Have Answers to Pass Microsoft 98-349 Exam with Practice Tests When it comes to software development and the IT credentials, Microsoft is a leading provider among the lots. The company has developed numerous product portfolio and services that have become an integral aspect of every business. Earning a Microsoft certificate validates one’s skills and knowledge required to take up job roles within the space of Microsoft product and service solutions. There are many role-based certifications offered by this vendor and Microsoft 365 Certified: Modern Desktop Administrator Associate is one of them.

To obtain this particular certificate, an applicant will be required to pass two exams, which areMicrosoft MD-100 and Microsoft MS-300 . For the purpose of this article, the focus will be on the latter test. If you have passed the first one, the next step is to work towards the second and ace it in order to get your certification. So, why should you pursue this path in the first place? Before we go ahead to look at the reasons why you should take Microsoft 98-349 to earn your credential, let’s look at what this exam entails.

What should you know about the Microsoft 98-349 certification exam?

This Microsoft exam is designed forthe professionals who want to earn the certificate. They are the administrators with the skillset in deploying, securing, managing, monitoring, and configuring client applications and devices in an enterprise environment. They also have the ability to manage policies, apps, identity, updates, and access. In addition to this, the specialistsmay partner with the Microsoft 365 Enterprise administrators to build and implement a device strategy that performs business requirements of modern IT firms. It is essential that the individuals are familiar with Microsoft 365 workloads and also have competence in configuring, sustaining, and developing non-Windows and Windows 10 technologies & devices.

There are specific skills that are measured in Microsoft 98-349. It is critical to understand the details of the topics that are covered in the test before attempting it in order to enhance one’s chance of success. The certification exam will evaluate the student’s competence in the following areas:

  • Managing policies & profiles: 35-40%;
  • Managing apps & data: 25-30%;
  • Developing& updating OS: 15-20%;
  • Managing & protecting devices: 15-20%.

The 98-349 test is made up of between 40 to 60 questions covering different formats, including multiplechoice, drag and drop, build list, single choice, review screen, and so on. To register for this exam, you must have the Microsoft and Pearson VUE accounts. You will also be required to pay the fee of $165. Passing this certification test requires that you develop competence in the areas mentioned above. You can do this by choosing the appropriate study materials. is a good platform to explore various resources for your preparation.

Why should you pass the Microsoft 98-349 exam and earn the associated certification?

Obtaining a certificate is the way to go when it comes to enhancing your career potential in the IT field. The Microsoft 365 Certified: Modern Desktop Administrator Associate credential is designed to give you an edge in the industry, especially if you are new tothis realm and want to land a rewarding job role. In this section, we share some reasons why you should consider pursuing this Microsoft certification. Let’s take a look at them.

  • Validation and credibility

It may be a little difficult for many new IT professionals to get the job they want, given that they have no experience and there is nothing that could confirm their competence to fulfill the desired position. However, with such a certification, you gain credibility and validation of your skills and knowledge. Earning theassociate-level credential is surely a great way to launch a rewarding career in the IT field.

  • Edge in the marketplace

The job market is saturated with the specialists who want to switch their jobs or take up new roles. With acertification, you will make your resume noticeable and enhance your marketability. The recruiters are looking for those professionals who have specific skills and knowledge. The best way you can validate that you have this skillset is to get any ITcredential. After earningone, for example, Microsoft 365 Certified: Modern Desktop Administrator Associate, itwill increase your opportunity in the job place.

  • High chance of promotion

You don’t have to wait until you are about to change job before you obtain a certificate. It is a known fact that it can accelerate your progress even in your current place of employment. According to the survey, the employees with a Microsoft credential are more likely to be promoted than their non-certified competitors. So, even if you don’t want to change your job, you should still go ahead to pursue a certification. With it, you can increase your chance of getting promoted at your current role.

What should you do to prepare for Microsoft 98-349 certificationexam?

To pass Microsoft 98-349, it is important to be proficient in the concepts and components of Microsoft 365 workloads. The best way to do this is use the best resources available to sharpen your skills and knowledge. You can find these tools onthePrepaway platform. It is the top resource website that you should consider for your preparation. You can find a wide range of study materials to help you succeed. You can get video tutorials, study guides, practice tests, braindumps, and a whole lot of other resources for Microsoft 98-349 and other exams. The Microsoft Learning platform is also an important site for your preparation. As a matter of fact, you should start your learning process from this website before you proceed to other third-party platforms. The study materials from Microsoft will guide you in the right direction and Prepaway will strengthen the skill set you gain.


Finally, it is very importantto dedicate enough time to taking practice tests while preparing for the real exam. You need to understand the pattern of the questions, and the best way to get a clear idea is exactly through this type of prep tools. Prepawayhas a comprehensive study package that includes many practice questions that guarantee your success in Microsoft 98-349. Take time to go through all the resources and get ready to ace your certification test at the first attempt.

Uncategorized Editor Wed, 11 Mar 2020 03:36:24 -0400
How to Improve Staff Retention In 2020 As we enter a new year, you likely have new goals for your business and for your workforce. With 2020 fast approaching, it’s important to look at how you can continue to build on your company’s culture and community. This often comes down to staff retention, and how it can be improved.

Retaining your staff can be critical as many companies compete for the best staff in the industry, especially if you are in a crowded market. Staff retention can result in a number of benefits for the business, including better productivity and organisation and high employee morale; all because you have a stable and experienced team in place.

Businesses have the opportunity to build a team of people who truly want to be there and who are focused on contributing to the company’s success. With that in mind, Attic Recruitment take a look at some of the best ways to improve staff retention.

Retention starts from recruitment

Good staff retention starts at the very beginning of the process; recruitment. It’s important that you are hiring people who represent the culture and strategy at the heart of your business. When recruiting for staff at any level, look at the long game.

Consider hiring candidates who have a proven record of staying in jobs for a good length of time; those who jump around could be a cause for concern if you are trying to build a high retention rate.

Ask the right questions in your interview process and learn more about the candidate’s professional and personal background.

Ongoing opportunities

It is important that once you have hired your staff, you are able to offer them a clear progression path. Ongoing opportunities, education and training are key to keeping staff on board. Invest in them and find ways of promoting from within, as this can make employees feel valued.

Whether you invest in training programmes, send staff to conferences or offer courses to help progression, you need to show that you are interested in their professional development. This can help staff get even more out of their job.

Employee benefits and perks

Employee benefits can go a long way, no matter how small the perks may be. In a modern world where remote working and flexibility is more common than ever before, consider ways you can give your staff a better work-life balance.

Other benefits can include the likes of incentives, performance goals and flexibility to ensure your staff feel more engaged and happy in their job; and less likely to leave.

Being open and honest

No matter how big or small the company is, it’s important to be honest with your staff and create a sense of community. This can help to drive a shared purpose within the business to both succeed and to tackle problems as a team.

If your staff feel equal in their ambition to drive the company forward, this can be a huge step in boosting morale in the workplace. What’s more, open-door policies and encouraging staff to ask questions and speak frankly, when necessary, can ensure your employees feel as though their input is being heard and being valued.

Uncategorized Editor Fri, 20 Dec 2019 04:38:00 -0500
Safe Replacements to Asbestos

Asbestos spread very quickly throughout the UK, developing as one of the country’s top building materials due to its durability and insulating properties effectively. However, many people have stopped using them simply because they are known to cause a respiratory disease called Asbestosis. It is regarded as a chronic, serious and non-cancerous respiratory disease. It is caused when one inhales asbestos as the lung tissue scar because of aggravation by the fibres.

Over the years, the use of asbestos has reduced greatly because of the health and environment risks that have been linked with it. The innovation of new technologies to replace them has taken and people have come up with alternatives that are considered safe. These new alternatives include;

What are the new alternatives to asbestos?

Cellulose fibres

This is an alternative to asbestos use that is very popular. The cellulose fibres are created from shredded newsprint that has been finely and chemically treated for increased fire resistance levels. It is mainly composed of 5% content that is recycled which makes a good alternative for environmental conservation. It is known to reduce the energy costs by a 30% average in a year.

Polyurethane foam

This is a spray product that is mainly used in materials for roofing like insulation. The foam typically combines plastic and rubber qualities that are the best. The bubbles that get trapped in the polyurethane foam create a heat conductor that is poor and therefore, offers quality and excellent heat resistant.

Thermoset plastic flour

Wood flour and other cheap fillers are used to fill the thermoset plastics. This provides good insulation and strength balance. The cheap cost of use for this alternative makes an ideal method in the construction industry. It can also be used as a replacement to asbestos for insulation of heat, cold and sound.

Flour fillers

This alternative material uses natural resources to make a filler for cracks which is helpful in natural insulation. The materials can include flour, rice flour and ash, wheat flour and pecan shell which are all obtained from natural sources. It is considered a green alternative as it doesn’t present any harmful hazards.

Amorphous silica Fabrics

There are high-temperature materials that are utilised for insulation and protection industries. They are preferred for use in shipyards, aerospace and electrical industries. In these industries, the fabrics have replaced similar products that used to contain asbestos.

Asbestos survey

This is simply a visual inspection of any property. Samples of materials suspected to have asbestos are taken by a surveyor and taken to a lab for testing. The asbestos survey is done to determine the presence or absence of asbestos fibres in these materials. An asbestos survey is mainly done as a normal routine in real estate business that may include demolition or renovation.

The alternative materials for asbestos are readily available. It is important for people to utilise them in an effort to conserve the environment as well as reduce health risks to themselves.

Uncategorized Editor Mon, 11 Nov 2019 06:44:22 -0500
Everything You Need to Know About Hand Held Heat Sealers Heat sealers have a really important job to do. They are responsible for ensuring that products are stored securely and safely. Heat sealers work by applying heat to thermoplastic material to seal it closed, protecting the goods inside from external sources. For example, heat sealing is one method of preventing corrosion. There are different types of heat sealers available on the market; depending on what you are sealing, how quickly you need to do it and where you will be undertaking this part of the process will determine which sealing device is right for you. Here we're going to be exploring a little bit more about handheld sealers and the role they play in product packaging.

What type of heat sealers are available?

Hand held heat sealers can be from the impulse family of heat sealers or the constant family. The difference between the two is in how the energy is supplied to the jaw. Impulse handheld sealers will issue electricity to the jaw when activated, heating the material that needs sealing and then immediately cooling, whilst the heat with a constant handheld sealer is continuously on for as long as it’s switched on. Despite the high temperatures, handheld heat sealers are safe to use - if unsure about the transfer of heat, check the specifications for the type you invest in.

Choosing the right sealer for your needs

Hand held sealers are ideal for small businesses, whether you work from home, your garage or you have an office. The machine can manage a whole variety of materials including polyurethane, polypropylene and PVC films; basically any barrier foil which hermetically seals the product. Don’t let the name fool you, handheld heat sealers are available in a variety of sizes (jaw length) and can be adjusted with the turn of a dial. In addition, this type of sealer is not resource-intensive either, requiring only one person to operate. Thanks to the handheld nature of the device, it can be passed around between colleagues for use as and when required, which can help with keeping costs down. Due to their flexibility, hand held heat sealers are also referred to as portable heat sealers.

Packaging requirement

Hand held heat sealers can really help to 'up' your packaging game. If you're looking for a convenient, lightweight, space-saving packaging solution, hand held heat sealers are the answer. Stand up pouches are increasingly being used as the packaging of choice; they can be filled easily and look attractive on a shelf. Hand held heat sealers can be used to create the pouch and for an added aesthetic touch, the packaging can be crimped. Some hand held heat sealers on the market allow for personalisation in the seal shapes.

Vacuum sealing is a type of heat sealing that can also be undertaken using a portable device. Vacuum sealing is popular in the food industry and for home cooks as it offers all the benefits of heat sealing – it prevents contamination, is easy to store, and allows you to reseal the package!

Start small….

Hand held heat sealers are a great option as a first sealer for your business. Staff not familiar with machinery can be confident in using them as they are simple to operate, requiring just a power socket to get the process underway. Also, the portability of hand held sealers allows for the sealing to happen at source, no need to move products around, and the sealer can be taken where needed. The machines can seal all sizes of packaging as well as having the ability to work around the shape of your product.

Packaging has been made easier with hand held heat sealers. They can be used with any product and are ideal for goods that need to be hermetically sealed.

Uncategorized Editor Fri, 08 Nov 2019 08:41:34 -0500
Beginner’s Guide to Different Types of Broadband Connections Finding the right broadband deal is often anything but simple. While you might think that it’s as easy as finding the best price, often this can leave you with a slow download speed, constricting usage limits or a contract that’s far more difficult to get out of than it should be.

Price aside, there’s also the multitude of connection types to consider, each of which will be able to support different download speeds and browsing capabilities. As your broadband connection should meet your specific needs, you will need to consider which type will be most suitable for you and what you use the internet for. This way you can avoid the hassle of either overpaying, or finding that your monthly allowance restricts your household usage.

Which Type of Broadband Connecting Is Best?

Currently, broadband accounts for nearly all domestic internet connections in the UK, with OSN figures revealing that broadband accounts for 98% of connections. With around 99% of adults using the internet daily, often to stream videos of play games online, it’s safe to say that our appetite for data has increased exponentially.

Whether you are a keen gamer or someone who simply enjoys streaming their favourite movies and TV shows, the big question which type of connection will be best suited to meet your needs?

Superfast Broadband

Fibre-optic broadband is quickly becoming the most common type of connection. Using fibre optics rather than traditional copper wires, this type of connection can support far greater internet speeds which won’t be at risk of slowing down over long distance in the same way as a traditional broadband connection.

This is because a standard ADSL connection speed can vary depending on your location’s proximity to the exchange, something that you do not have to worry about with a superfast fibre optic connection.

Generally speaking, a superfast fibre optic connection is best for a household with multiple occupants, otherwise you will likely be overpaying for an internet connection that you won’t fully utilise.

ADSL Broadband

ADSL connections remain the most popular type of internet connection for the time being, due to how long they have been around for. While this type of broadband connection is unlikely to offer you the fastest speeds, it is by no means slow and offers a perfectly acceptable and reliable service. Unlike fibre broadband, ADLS uses copper wires connected to the local telephone exchange to deliver you your connection. While it does make use of your home’s telephone connection, ADSL should not be confused with the now-defunct dial-up broadband.  

Because it does use copper wires though, it is worth checking that speeds you can expect in your location as it may not be the same as the one advertised by the service provider. This is because copper wires cannot support the signal speed over long distances, causing them to drop if you do not live near a telephone exchange.

Ultrafast Broadband

Currently the least widely adopted form of connection, it is estimated that by the end of next year, over 3 million homes will have switched over to a superfast broadband connection as our demand for data continues to grow. While the speed of this type of connection will likely be reflected in the price of contracts, it will likely be a justified cost for many.

Ultrafast broadband promises to do away with the need for copper wiring, instead using fibre optic cables to directly connect your household to the nearest telephone exchange.

Uncategorized Editor Wed, 06 Nov 2019 01:29:13 -0500
5 Important Signs You Need Relationship Counselling

Marriage isn’t a bed of roses, but it could be a fulfilling experience when you and your partner have the right approach to challenges. A beautiful union could very well spiral out of control if issues are swept under the carpet unresolved.

Is it time to throw in the towel? It’s rather time to get your hands dirty and put in some work. A healthy relationship in marriage demands the joint effort and commitment of both partners. So, it’s better to go the extra mile to resolve any nagging issue.

There are several signs that shouldn’t be taken for granted, which is a cue that couples counselling is necessary. It could be frightening to realize that you need help via marriage counselling, but it may lead to a lasting solution.

Each partner in a marriage comes along with different values, beliefs, aspirations, family orientation, and personality quirks to the relationship. Hence, a merging of these two distinct personalities could be fireworks or things may likely go south in the absence of intervention.

There isn’t the best time to seek help but more often than not, marriage counselling for couples comes into play when the relationship is on the brink of collapse.

But there’s good news! There are signals to watch out for which can prevent your relationship from hitting the rocks.

Five indicative signs for  relationship counselling

  1. Recurrent issue: You need a private counselling session when you’re always confronted with a particular challenge that keeps lingering overtime and threatens the health of your relationship. For instance, drug addiction, gambling, alcoholism. You stand the chance to build a stronger and more intimate relationship when an issue is addressed from a neutral perspective.
  2. Poor communication: When you have a breakdown in communication with your partner, it’s advisable to seek marriage counselling. Sometimes, depression may set in because of the harsh realities of life and it could be impossible to discuss with your partner. Indulging in silent treatment or yelling at each other over the slightest issue worsens the problem.
  3. Sexual intimacy: Some couples have lost the sexual chemistry and they don’t feel sparks in the bedroom anymore. Do you live with your partner as roommates? It’s wrong to regard such circumstances as normal which is living in denial of the truth.
  4. Broken trust: Do you feel your partner isn’t reliable and trustworthy? If you suspect your partner is lying and or sneaky, then it’s possibly because of infidelity. Cheating comes in different forms and expressions.
  5. Life change: The experience of a major life change can alter the course of events in any marriage. You should seek relationship counselling to address any unresolved adjustments after the birth of a child, death of a loved one, retirement, a new job, or changing homes.

Relationship counselling strengthens the bond between partners and increases peaceful coexistence. It also enhances the communication lines between you and your partner, so you feel heard and understood. If you are looking for relationship counselling online, here at Mental Wellness Counselling, we have been providing private counselling in Peterborough for many years and has helped many homes from crashing; we believe having counselling can benefit you to develop the strength to manage your mental health problems, and to gain courage to overcome your relationship issues, and recover your confidence for a better life.

We hope you enjoy reading the post, if you have any questions or want to find out more about private counselling, please get in touch, we are always happy to help.

Uncategorized Editor Tue, 29 Oct 2019 06:22:16 -0400
Having Trouble Finding A Good Florist? Look No More! Do you know the different ways you can make somebody feel special? Flowers are one of the most basic yet the most beautiful gestures of love and care. A bouquet will make anybody smile no matter what kind of a day they had. A flower to the one person who is unique to you will make his or her day. A flower is a sign of trust, friendship, and love, and it is the best gift you can give to another. Why look for other materialistic gifts when a fresh flower will do the job? Find the perfect flowers and gift them today! Make the best use of the fantastic International flower delivery company now!

Flourishing Florists Around You!

You will not have any trouble anymore with finding the right flowers once you find the right florist. FloraQueen is the perfect florist for you if you are looking for a bunch of unique and quality flowers at affordable rates. Let your particular person feel the best and most loved in the world by sending him or her some of the most beautiful flowers as a gift. Why settle for a typical and clichéd gift like expensive jewelry or a trip to the Bahamas when you can make it simple but the sweetest by sending her a beautiful bouquet of birthday flowers from the top florist? Head over to, and you will find there is a section entirely dedicated to birthday flower bouquets from where you can choose. 

Each bouquet has a special and unique name given to it too that brings freshness and charm itself. These bouquets are made with a massive heart of love that your partner will feel your love from any corner of the world. Choose from the wide variety of colorful and beautiful flowers for your favorite person today! 

The Most Trusted Service For Flower Deliveries!

FloraQueen is probably one of the most used florist companies in the world today. With top-class services and amazing quality flowers, it has reached the hearts of millions of people. The company is infamously known as Flora queen - international flower delivery service for its outstanding delivery services. The flowers reach the destination in the best condition as if they have just been pluck from the gardens! Flora Queen makes use of some of the most premium plant services, choosing the best set of flowers of one-of-a-kind quality to let you transfer the love and affection to your family and friends. 

Touch Hearts With Flowers! 

You can now reach your loved one from one corner of the world to the other through the simple yet loving gesture of gifting flowers. Surprise your parents with a huge bouquet of love and care with Flora Queen. You don’t need an occasion to make your family feel good, shower them with your love, call up or place your order at Flora Queen today and let them pack and deliver your heart in these flowers that you choose for them! 

Uncategorized Editor Thu, 05 Sep 2019 07:57:44 -0400
Hydro Ottawa Power Outage, Rates and Login With the emergence of alternative power solutions, the industrial and technological revolution that we’re in has greatly affected how people get their electricity, and even how some companies are able to provide electricity to those who are needing service. While in the past, it started out that major companies strived more than others, the emergence of local agencies often called co-ops have been able to help bring more people together, as well as increase the economy in numerous ways. One such company that did this is called Hydro Ottawa, and they’re making waves when it comes to the best of them out there.

How Long Has Hydro Ottawa?

Hydro Ottawa was actually one of five different major electric co-ops in the Ottawa area, and they all decided to work together in 2000. They later on acquired a 6th member to their merger, and by doing so, they were able to provide power as a central powerhouse to the entire community of Ottawa, and other surrounding cities, making it one of the largest electric companies that is strictly local to the area.

New Age Technology

With the breaking dawn of new innovative technology like hybrid cars, smart phones and speakers, and renewable energy, Hydro Ottawa wasn’t the first to jump on this and realized its potential to help their customers successfully be able to know what’s going on with their account, as well as have some custom services that most other companies don’t offer. For example, you can actually have the electrical company install a charger port for your home that you can use to save power and charge your hybrid vehicle, as well as download a smart skill for your Amazon Alexa, Google, or Apple products that gives you a lot of statistics about your account, usage, and more.

They’ve also been a major source of helping people to choose and install renewable solar energy into their homes to help the environment, as well as help all of their customers. Should you decide to go with solar power and not go off-grid, you can save a lot on electricity costs, and even get a cutback credit to your account by sharing with the grid to provide other people renewable energy as well. This is a great way to help others out too, because not everyone has renewable energy, and this makes it so that less natural resources are being used by the power plants just to make that precious electricity that many people need to thrive in today’s busy and well-lit world.


If you live in the area of Ottawa and like the ability to be somewhat self-reliable like most of us, you can choose them as your primary electricity company to get your life lit up! They even offer numerous advice columns and tips to help you lower your electricity, or even your other utility costs, and even have teams that are in place to help you keep your power lines clear, and even offer weatherization services to ensure that your home is being well-kept so you can have the lowest energy bills possible.

Uncategorized Editor Fri, 23 Aug 2019 06:17:21 -0400
Top 7 Accounting Tips for your Small Businesses For any small and medium-sized, the accounting function can be tedious and time-consuming.  If you own a business, it is one of the functions you should pay attention to because it is an important aspect of managing your business. Failing to manage your accounts - including receivables, debt, taxes, and expenses - correctly could cause your business to fail. Applying simple bookkeeping strategies can put your business on the path to success. Here are 7 tips on good accounting practices that your business should embrace for faster business growth:

1. Get someone to provide accounting or book-keeping services

While most small business owners consider themselves fit to head sales, marketing, and accounting functions to cut costs, it helps to get a book-keeper to do accounting. This is critical in ensuring that financial errors that could affect your business are captured early. At the same time, it is relaxing for business owners when a person who has accounting knowledge and experience in handling their books of accounts. For starters, consider hiring a freelancer or on part-time so you don't have to pay a full-time allowance for the services. Where resources allow, you may outsource accounting services to credible firms such as TW Accounting Services. Alternatively, you can get accounting software that allows you to crunch your numbers. 

2. Separate personal accounts from business accounts

While the law does not require business owners to have separate bank accounts, it is advisable not to mix personal funds with money for the business to facilitate tracking of business transactions. When you have a dedicated bank account for your business, you are able to account for every business transaction, even when receipts get misplaced. You can also tell the exact balances in your business account so you avoid overspending. Instead of paying expenses in cash, consider using electronic transfers so you have proof of transaction and reduce dependence on receipts.  

3. Have your bank account reconciled every month

Every month end, ensure that your business accounts are reconciled. If your business has a high number of transactions, consider conducting this exercise more frequently. Reconciling your bank accounts ensures that your accounts are up-to-date and do not get out of control as the business grows. Bank reconciliation also helps in identifying data entry flaws and track any missing transactions. When your financial statements are accurate and your tax reporting is updated, you can be able to monitor how your business is progressing. Bank reconciliation does not have a difficult exercise, have your book-keeper or accountant develop a system that works well for your business. If your budget allows, consider getting an accounting software with features such as daily bank feeds that make bank reconciliation easier and faster.

4. Put 25% of your revenue in a separate, interest-earning account

Setting up a separate account enables you to 'hide' some funds from the day-to-day financial ongoing in a place that is not easy to access. Consider putting at least 25% of your revenue in a separate interest-earning accounts. This helps you manage cash flow and ensures that your business has funds to take care of tax installments when the need arises. This enables you to avoid hefty fines due to non-payment and allows you to earn some income from interest while you are at it.

To get an account that offers good interest rates, build rapport with your bank so they can help you identify a banking product that suits your needs. Identify a specialist business banker to work with you in finding financial solutions that are ideal for your kind of business. Such a business banker will be able to advise and assist you in getting better interest rates, lower bank fees, better loan terms and facilitate long-term financial planning and visioning.

5. Track monthly expenses and income

You can identify areas that are doing well and those that need to be improved in your business by tracking your expenses and incomes using profit and loss statements. For instance, if you realize that your internet or mobile charges are increasing, you can negotiate for better deals with your service providers. You can replicate this with your main suppliers when you have the information. At the same time, maintaining a cash flow statement can give you a broader view of your business expenses and incomes so you see seasonal trends and payment cycles.

Tracking your cash flow trends also allows you to take note of money flow timings in and out of your business. Watching these trends provides insights on times when your business will need more cash and when it will need less cash.  For instance, you may notice that every year, all your business insurance payments fall due around the same time. This can drain your business cash flow if it comes at a time when income levels are low. However, turning your cash flow statement into a planning tool, you can ensure that your business has sufficient funds set aside to take care of such bills.

6. Always prepare a budget

Planning your finances is critical to the success of your business because it ensures that your money is spent prudently. A budget enables you to manage and plan the performance of your business finances. When you compare your budget to actual income and expenditure, you will be able to see where you can save money and where leakages are happening. Ideally, your business budget should enable you to monitor the trends in your industry and seize business opportunities, react to budget shortfalls immediately so you can address budget excesses and develop broader plans with respect to purchase of assets, investments, and employment of more staff.

7. Send invoices to customers promptly

Always send invoices to your customers promptly - most preferably weekly. This is important because the faster you send invoices, the quicker payment will be made. To ensure that this works for your business, consider streamlining your invoicing process so that it is accurate and that invoicing is done on a regular basis. Sending invoices out regularly also enables you to manage your cash flow and lessens the stress of managing your business. Ensure that all the details that your customers require are on the invoice, especially the purchase order number. Address it to the correct person and be sure to include your payment details on each invoice.

Uncategorized Editor Sat, 17 Aug 2019 06:18:59 -0400
Payroll Taxes in the UK - An Entrepreneur’s Guide Not only have you managed to launch your own business, but you’ve also started making your first hires.

Congratulations! That’s a huge step for any fledgling company.

Taking the next step, from being a one-man-band, to becoming a team does bring certain requirements and responsibilities with it.

Some of these will be more straightforward such as, adapting your workspace, or introducing online team-management software.

However, one of the most important, and perhaps more complex areas relates to the payment of salaries.

Salary is normally high up the list (or at the top) of priorities for new employees, and they will almost certainly expect to be paid in a timely and accurate fashion with all relevant taxes accounted for.

For those entrepreneur’s with little financial background, this can be daunting, but this guide to payroll taxes in the UK should help clarify some of the key aspects.

Read on for more.

PAYE: Pay As You Earn

PAYE (Pay As You Earn) is the method for ensuring your employees pay the right amount of income tax and National Insurance.

With PAYE, tax and National Insurance is deducted from pay packets before they’re issued, so each employee receives a net amount and doesn’t have to pay any further tax on that income.

PAYE is very much universal – you’ll see businesses of all sizes using it as part of their payroll systems.

National Insurance

The principal tax associated with payroll is National Insurance or NI.

NI is the contribution that workers make towards certain state benefits. If you had a job before starting your own business, you’ll have probably paid National Insurance as an employee.

Do note, though, there are different rules for self-employed freelancers – so it is well worth getting up-to-speed. The employee’s contribution is deducted by the employer, from their salary, while the employer’s contribution is an additional cost to the business.

The NI that employees pay depends on their employment status and earnings, as well as whether they have any gaps in their National Insurance record.

At present, an employee’s NI is charged at a rate of 12% or 2% dependent on level of earnings, and employers’ NICs are charged at the rate of 13.8% of the gross salary paid to the employee.

Sound a little complicated? Well, it is manageable, but most business owners find automated PAYE software or use of a small-business specialist accountant preferable to managing their own payroll taxes.

Income tax

Another key tax related to payroll is Income Tax, which is the tax paid on the money earned from employment.

The rate you pay increases as you earn more, although most people have an annual, tax-free allowance.

NB: When managing income tax through PAYE, you should consider every employee’s salary or wages, as well as tips, bonuses, sick pay, or maternity pay.

Other deductions

This isn’t a tax but is something that should be managed as an employer through PAYE.

Firstly, let’s look at student loans.

Students going to university can borrow money from the Government to cover university tuition fees and to help with living costs at university. 

When they finish their course and start working as soon as they earn over a specific threshold, they need to start repaying their student loan and this is paid by the employee as a payroll deduction from gross pay.

Secondly: Pensions.

As a UK based employer, the company must have an auto-enrolment pension scheme in place should its employees wish to join or not (they will be automatically opted in but have the option to opt-out).

Managing PAYE

You need to use PAYE if any of your employees earn in excess of £116 per week, claim expenses or receive employee benefits, or receive pension contributions from you.

Even if you don’t need to use PAYE but you do employ people, you need to be keeping payroll records in any case.

To find out how much income tax to deduct from each employee, you’ll need to know their tax code. The Government has an online tool for finding out an employee’s tax code. This process is slicker if you have their P45 (issued by their previous employer, if they had one).

National Insurance works a little differently, but also uses a code-based system.

Enter each employee’s tax and NI codes into your payroll software, or provide them to your accountant, and the appropriate deductions will be made.

Over the years, we often see business owners making these mistakes with PAYE:

  • Adjustments – not calculating changes in pay, such as pay rises, bonuses or overtime
  • Incorrect details – not outlining expenses, sick pay and pension payments
  • Tax codes – using the wrong codes for employees
  • Employees leaving – forgetting to take them off the payroll.

If you can navigate these pitfalls, your life – and the lives of your staff – will run much more smoothly with regard to HMRC.

If the above all sounds too much – reach out for specialist support from a small-business accountant.

Payroll Taxes in the UK - An Entrepreneur’s Guide

Watching your business grow is exciting and adding to your staff is one of the most thrilling aspects of this.

We admit, it doesn’t come without additional work – and some worry.

However, if you can stay on top of PAYE, as detailed above, you’ll be alright.

Once again – if you’re at all concerned, reach out to a small-business accountancy firm such as Howlader and Co. They can talk you through the requirements in greater detail and set out a plan for managing payroll taxes on your own, or with their support.

Good luck!

Uncategorized Editor Mon, 01 Jul 2019 12:13:30 -0400
Spouse and British Partner Can Use the Government Home Help Scheme I was asked very recently by a migrant on a Tier 2 General – further leave to remain; “would a settlement application be refused, on the grounds that the Government Home Help Scheme was used to buy “their” (including British Partner) UK first home?”

My advice “No”

And here are the reasons why; The Government Home Help Scheme works and will not affect your spouse’s settlement application;

The Scheme Rules came into effect from 9 November 2016, to help first time Home buyers. By allowing them to place saving into a ISA; a “Individual Savings Account”.

The Spouse, Tier 2 General migrant and British Partner can open an account with any bank, building society or credit union that offers a Help to Buy: ISA accounts.

You both need to be a first time buyer and the property you both are purchasing needs to cost less than the house price cap of £250,000 or less (or £450,000 or less in London).

You’ll be able to open a Help to Buy: ISA until 30 November 2019. After that date they won’t be available to new savers anymore – but if you opened your Help to Buy: ISA before then you can keep saving into your account until 30 November 2029 when accounts will close to additional contributions.

You must claim your bonus by 1 December 2030.

So is the Spouse and British National eligible under the Government Home Help Scheme?

To qualify for a Help to Buy: ISA you must:

  • be 16 or over

  • have a valid National Insurance number

  • be a UK resident or (a) though not resident in the United Kingdom, have general
    earnings from overseas Crown employment subject to United
    Kingdom tax within the meaning given by section 28 of the
    Income Tax (Earnings and Pensions) Act 2003, or
    (b) though not resident in the United Kingdom, are married to or in
    a civil partnership with a person mentioned in paragraph
    (a) above;

  • be a first time buyer, and not own a property anywhere in the world

  • not have another active cash ISA in the same tax year: If you have opened a cash ISA this tax year, you can open a Help to Buy: ISA but will have to take additional steps.

This rule defines clearly that Spouses and common law partners, civil partners can apply under the scheme, without their immigration status being affected.

The Immigration Directorate Instruction Family Migration: Appendix FM Section 1.7 Appendix Armed Forces  Financial Requirement

August 2017, does not list the Government Home Help Scheme as a benefits or allowances in the UK.

benefits or allowances in the UK are;

• Carer’s Allowance.

• Disability Living Allowance.

• Severe Disablement Allowance.

• Industrial Injuries Disablement Benefit.

• Attendance Allowance.

• Personal Independence Payment.

• Armed Forces Independence Payment or Guaranteed Income Payment under the Armed Forces Compensation Scheme.

• Constant Attendance Allowance, Mobility Supplement or War Disablement Pension under the War Pensions Scheme.

• Police Injury Pension.

The above factors confirm that the Tier 2 General migrant, spouse nor civil partner will lose the right to settle as an applicant under the Government Home Buyers Scheme.

If your immigration status has been affected by the Government Home Buyers Scheme contact me today…on …… 01634 828288.

Alternatively, if you are in the UK on a immigration status prior to settlement and have been under the Government Home Buyer Scheme, let me know..on 01634 828288, better still email me on

Uncategorized Editor Mon, 24 Jun 2019 23:58:24 -0400
11 Common Leadership Myths You Should Never Believe C:\Users\Edwin\Pictures\shutterstock_141035512_2.jpg

There is so much misconception about leadership. Some of these misconceptions are about what leadership is, who can lead, personalities of people better suited to be leaders, and so on.

It is so widespread that, for the uninformed, it is easy to believe and act on these myths in their leadership capacities. Even worse, these myths appear to be validated by statistics out there.

In this article, you will discover eleven of such myths you’ve probably believed and allowed to drive your leadership philosophy and actions. You will also get to know to why they are false and why should not believe them anymore.

1. Leaders are born not made

The biggest and most common leadership myth of all is that some people are born to be leaders while others are not.

To debunk this myth is easy. Ask yourself, what do leaders do and what does it take to do the things they do?

  • Leaders articulate a vision – it takes the ability to reflect and think.

  • Leaders communicate their vision – it takes communication skills.

  • Leaders set goals – it takes thinking and analytical skills.

  • Leaders create and empower teams – it takes communication skills.

  • Leaders facilitate meetings - It takes thinking and analytical skills.

  • Leaders make decisions – it takes decision-making skills.

Just to mention a few. These are skills anyone can learn. So, the belief that leaders are born is clearly a myth. Leadership is a skill, not a genetic talent.

2. To excel in leadership, you must be charismatic

This particular leadership myth is made popular by movies and the mass media’s insatiable appetite for celebrity leaders.

Charisma is never a leadership prerequisite. For instance, charisma is useless when you are leading people on a mission that all of you might never return alive.

To further lend credence to the fact that charisma is not a core leadership requirement, Jim Collins writes in his groundbreaking book that took five years of painstaking research, Good to Great, “We were surprised, shocked really, to discover the type of leadership required for turning a good company into a great one. Compared to high-profile leaders with big personalities who make headlines and become celebrities, the good-to-great leaders seem to have come from Mars. Self-effacing, quiet, reserved, even shy – these leaders are a paradoxical blend of personal humility and professional will. They are more like Lincoln and Socrates than Patton or Caesar.”

3. Extroverts are better leaders

Many people think that the outgoing nature of some people make them better leaders than people who are shy and withdrawn.  Nothing could be further from the truth.

As discovered by Jim Collins above, introvert leaders even did better than their extrovert counterparts in the study Collins and his team carried out.

People who are better leaders have better character, are competent in their subject areas, and make many good decisions – temperament or disposition is not part of the equation.

4. Leadership is commanding and controlling people

This particular myth is fueled by people’s misconception of the military’s mode of operation.

Many people think leadership involves sitting at an elevated seat dishing out edicts and commands that must be carried out without question.

On the contrary, leaders take inputs from others, seek information, ask questions, carry others along, illicit cooperation, and get buy-in before deciding on the next course of action.

5. Leaders are superior to the people they lead

This leadership myth in entrenched in many power structures across many organizations. A look at their organization charts tells the story.

This “boss mentality” sees the led as subordinates who must carry out what they say without question. But in reality, this is not the case. The real power lies with the people you serve.

True leaders see themselves as first among equals.

6. Men are better leaders than women

This is another version of leaders are born myth. Genetics or gender has nothing to do with your ability to lead.

Leadership is a skill which means that it can be learned.  As the leadership training firm, Mantle NZ puts it, “To develop as a leader and as a person, we need to be active learners. This involves recognising when new behaviours, skills or attitudes are needed and accepting responsibility for developing them.”

Simply because majority of people in leadership position are men doesn’t mean they are better leaders than women.

There are women in different industries and professions who are better leaders than men, just as there are men in many professions who are better leaders than women.

7. Great leaders don’t fail

This is another leadership myth popularized by popular action movies – heroes never fail or die.

Leaders are normal humans that are bound to fail.

History is replete with great leaders who failed woefully before they finally succeeded. Abraham Lincoln is a prime example; his failures are well documented in the annals of history.

8. It is the leader’s job to come up with ideas, answers, and solutions

Many people erroneously view leaders as all-knowing magicians who have answers to everything.

As a matter of fact, leaders don’t usually know the answers. They often discover the answers by tapping into the collective knowledge of their team.

They are more of Socratic moderators than a Delphic Oracle.

9. You must reach a certain age before you can become a leader

Young people are often stereotyped as not yet old enough to be leaders.

As a result, many young people accept that they have to get to a certain age before they can start or lead an organization or movement.

But it is not supposed to be so, because age doesn’t determine if someone can lead or not. No one expects an eleven-year old to lead a Fortune 500 organization, but he or she can lead in his class at school.

Alexander the Great was 20 when he became king. Mark Zuckerberg is in his early 30s and he leads a multi-billion dollar firm.  

10. People in leadership positions are leaders

Another misconception about leadership is the belief that a position or title makes a leader.

Unknown to many people, those occupying leadership positions in different organizations and entities may have made it there through manipulation or appointed nepotically. The title or position doesn’t hand leadership qualities to them.

In an organization, leaders can be found on the ground floor just as they can be found in the executive suite.

True leadership is earned through hard work, character, continuous learning, everyday improvement, and persistence.

11. Leaders don’t have to work; they just delegate

This leadership myth is another brand of “the boss” mentality. Many people see leaders as people who don’t get their hands dirty with work, all they do is delegate and allow their followers to do the “dirty” work.

But true leaders lead from the front; they lead by example. Sure, they delegate, but that’s because they can’t do everything not because they don’t have to do anything.

There goes the eleven most widespread myths of leadership, which of them have you been believing all along? It’s time to banish them and follow timeless truths so you can become the great leader you can be.

Uncategorized Editor Thu, 07 Mar 2019 05:35:03 -0500
5 Essentials For Kitting Out A New Office So, you have just moved into a new office and all your employees are motivated and happy, but there’s something missing…décor. Decorating your office is one of the most exciting parts of moving, despite how stressful you might find it. Not only does it make your office look great and professional for all your clients and staff, but having a nice, comfortable place to work in will make your employees more productive – which is what every CEO wants, right? But, hey, we understand that this all has to fit under your budget, so to get started, here are 5 essentials you should have to kit out your new office!

  1. Recycled furniture

Your office needs furniture – that’s a given. However, just because you’re on a budget, doesn’t mean that you can’t have nice furniture. In fact, it means just the opposite. With companies like Coggin Group, you can buy recycled furniture for a low price which is in great condition – almost as if you were buying it brand new. They offer all sorts of pieces from sofas, to desk chairs, to storage. Ensuring your employees have a good chair to sit on when working and a place to relax when taking a break is important for the success of your business.

  1. Break Room Items

If you have space, it is nice to have a room which isn’t related to work one bit. You and your staff need somewhere to relax, take a breather from work and chill out with colleagues. Having a room with a few magazines, drinks (non-alcoholic, of course), maybe some games and a sofa is a great way to not only making your staff feel appreciated and comfortable but is also a nice place for any clients to wait before meetings.

  1. Quick Internet

Having a super, speedy internet connecting is essential for your office. Obviously, it depends on different types of companies, but in this day and age, the internet is used all the time and having a slow connection not only frustrates people, but it means you won’t be able to get as much done during the workday. This should ultimately be a top priority before getting everyone settled in.

  1. Whiteboards

This may seem different now that we do everything digitally, but sometimes all you and your team needs is a little break from technology. If you find that you have a lot of meetings within your business, then sometimes it’s good to have a brainstorm on whiteboards which everyone can contribute towards. It’s a lot more interactive and allows everyone to see the plan in detail and work together.

  1. Good Lighting

Hopefully, before finding a new office, you thought about natural lighting. Obviously, you wouldn’t want to work in dim areas and you definitely don’t want your staff to either. If there are corners which can get relatively dark during the day (specifically throughout winter), make sure you invest in a few lamps and bright light bulbs to ensure that your staff are always working under good lighting conditions. Working under dim lights not only can affect the overall mood in the office but can be very uncomfortable and strain your eyes. Having natural light can motivate people and enable them to work more productively which is the ultimate aim for your company, right?

It might take a while for your office to look the way you envision it to look, but you can start by making it comfortable for your staff. Being in a new office is exciting, but you have to make sure that it is in good condition for your staff and clients. Once that’s done, you can think about decorating it more as time goes on.  

Uncategorized Editor Wed, 30 Jan 2019 03:51:47 -0500
How Can You Select an Ideal Debt Consolidation Agency? According to, people who belong to the age bracket of 35-40 years, carry huge debt amounts. One of the most significant problems that the consumers are constantly facing is being in debt. Debt is known to make the life extremely difficult for each and every person. However, it is an extremely complex and long process to resolve the oppressive load of debt. During these situations, most people opt for debt consolidation loans. Finding a proper debt consolidation company is undoubtedly a difficult task but if you take all the correct decisions, you are going to get back on an appropriate track. Consumers start looking for help in the market, which is extremely crowded. It is not a difficult task to become confused or overwhelmed by the various terminology as well as products that are offered by the debt consolidation companies. Moreover, when you are already in stress, it is extremely easy to become prey to all the predatory lenders that are there in the market and take a wrong decision. This is why it is crucial that you educate yourself and carry on a significant quantity of research before you choose a particular debt consolidation company.

A number of companies that are present in this huge marketplace are going to make the debt consolidation loans look like the fastest and easiest possible methods. However, you should know that this is definitely not the case. It is the duty of the consumers to be watchful and vigilant for the companies that are known to describe the various processes in this manner. It is extremely important that the consumers look for the honest and reputable companies for working with them before they start the process of consolidating their loans.

In order to choose the right debt consolidation companies, you need to be aware of certain important things. Given below is a list of the important things that you should consider before you select your debt consolidation company.

Checking for the agency affiliations

The debt consolidation companies that are reputable are normally associated with the industry associations. If any company is a part of the industry associations, you can be assured that it is definitely one of the best places to start.

Checking for the non-profit status

Few of the great non-profit debt consolidation organizations are known to exist in the market. It is extremely important that the potential customers carry out research about the companies that they are selecting especially if they are claiming to be a non-profit organization. You need to understand that a company that is actually non-profit will provide a certificate to the customer as a proof. If you are requesting the documentation of non-profit but you see that the organization is hesitating to provide it to you or cannot provide it at all, you should definitely be suspicious about it. You should know that the non-profit organizations that are legitimate will not hesitate to show the credentials. This is a company that you should select and not select the one that is hesitating to prove that it is definitely a non-profit organization.

Staying away from the companies that claim a religious affiliation

Few of the debt consolidation companies have been trying to attract consumers by claiming that they have religious affiliations. When a company supports a particular religion, they are basically trying to build the trust and make the consumers feel a lot more comfortable about starting their business without hesitating because of the similar religious beliefs that they have. Unfortunately, it is important to understand that all these organizations are not at all genuine in the belief that they have.

It is crucial that the consumers look for the debt consolidation companies, which are holding up to research and scrutiny and provide solutions that will meet the requirements of the different kinds of consumers. You cannot forget to compare the fees as well as the other costs that are involved.

Things you need to be careful about

The consumers, who have chosen a particular debt consolidation company in order to consolidate their debts, need to ask certain questions that are extremely important, to the organization. It is the responsibility of the consumers to make the final decision and say yes only when they are comfortable and they get all the required answers.

It is crucial that the consumers exercise caution in case if they come across the following signs of warning. You can go through the debt consolidation review before coming to any conclusion.

Bait and switch

A number of debt consolidation organizations and known to attract their potential consumers by advertising the debt consolidation products but they tend to move to other products as soon as the potential consumers have contacted them. This is referred to as the bait and switch strategy. It is crucial that each and every consumer remains careful about the tiny details and they should also ask numerous questions until and unless they are completely satisfied. It is true that debt consolidation is one of the most straightforward processes of combining all your withstanding debts into only a single loan with a single payment at the end of the month. If you see that the lender is explaining something completely different, it is time that you step backward.

Making the deal as fast as possible

It is crucial that you understand that there can never be quick answers or solutions for the debt problem of a particular consumer. If the debt consolidation organization that you have selected is constantly forcing you to sign up for their company, it is one of the biggest warning signs that you should not do so. It is the responsibility of the consumers to discuss the debt consolidation loans with numerous companies before a final decision is taken. Moreover, a reputed company is never going to pressurize or rush the consumers to take their decision immediately.


It is crucial that when you are choosing a debt consolidation company you take care of the various aspects that have been mentioned above or chances are that you are going to be cheated. If you find a reputed debt consolidation organization, you can be assured that you are not going to face any problem and your debts will be cleared soon.

Uncategorized Editor Wed, 19 Dec 2018 08:48:48 -0500
Reasons To Use Credit Counseling And Debt Relief Companies To help you with your debts that are slowly but surely turning out to be unmanageable you may wonder what is wrong in your debt management plan and whether or not you need any help from the experts. Well, managing debt and keeping it within your limits is not an easy task. It is not only tedious but you will need constant monitoring, reviewing and analyzing your progress. You will also need to make amendments in your plans and budgeting so that there do have shortage of funds or do not fall behind your repayment schedule. This is where the experience and expertise of a credit counseling and debt relief organization comes handy.

Though debt problem is a very private issue and most people will rather deal it on their own, these companies do not go on advertising your situation to others either. Therefore, you are wrong if you think that hiring their service is a bad idea and will be a sheer waste of money and effort. In fact, if you hire a debt relief or credit counseling company or charity even for that matter, you will be better off knowing your debt, your progress and be able to achieve a successful resolution to your debt problem.

Talk out a solution

Talking is always good to find out an effective solution for any type of problem whether it is alcohol or drug addiction or your debt. It has been proven time and again that talking over your problems takes away the stress and there are multiple options and avenues opening up.

Talking will significantly increase the chances of resolving your debt issue. This process is beneficial provided you speak to a sympathetic listener. Ideally, this process is actually going to help your own thought process when you order your thoughts and explain your financial situation to an expert having expertise in your specific issues.

Talking to an experienced debt counselor you will find a number of other benefits as well such as:

  • They will be accustomed with your type of situation and therefore will not be surprised when you speak to them much unlike your friends and colleagues.
  • You will not be nervous while talking to them about your debt problems and your secrets will be kept within them and not passed on to others.
  • Bound by a confidentiality agreement you will be able to have non-judgmental advice and suggestions that will help you and take you a long way in your debt settlement venture.
  • Since they have a detailed knowledge of debt law and also the debt resolution processes and the normal practices you will have a more leveled playing field and expert guidance.
  • They will not be intimidated with the creditor and will be able to speak to any specialist departments within the organizations. These departments will be more comfortable dealing with debt advisors rather than directly with you.

The credit counseling company or the debt adviser will often have a greater authority to speak to these departments within the creditor organization. They will stand a better chance to obtain a better debt relief solution that these departments have the direct authority to remit. All this means that you will stand a better chance to get a better debt relief.

That reason why these professionals are more receptive to these departments is trust. They are more often than not told by the debtors that they are unable to make payments anymore but they suspect of being duped often as well.  

If you work with a reputable debt advisor these departments think that your case is well reviewed by the expert, your budget analyzed properly, and believe when they say that their client is unable to make the payments. Apart from this obvious fact they also know that the commonly practiced intimidation tactics followed by the collection agents to obtain payments will not have any effect whatsoever on the debt advisor.

Get fast relief

When you work with a professional credit counselor, a reputable debt advisor or a successful debt settlement company you will be able to resolve your debt problem fast and not face any stress along the way. Therefore, if you have not working with any yet you can click here to know more about debt settlement companies and debt advisers and find one suitable for your needs.

The debt relief counseling services will offer you with different debt relief programs and services that will help you to manage, pay, reduce and even eliminate large amount of debts in quick time.

Their effective and tried solutions will even lower the monthly payment immediately and significantly whether it is a secured or unsecured loan thereby reducing your financially stressful condition by a considerable margin.

The good things aboiut it

The good thing about hiring such debt relief services is that these are:

  • Easy to avail and access and therefore you can sign up with them anytime you want to know whether or not you qualify to enroll and undergo a specific program
  • You will get easy and effective solution to any type of financial situation through their efficient service and effective programs
  • Through such kind of services you will get the best help and guidance to resolve your money and debt problem preventing you from filing for bankruptcy or go through debt consolidation process
  • You will learn more about your finances from such expert counseling services and know about all your options available to deal with your debts
  • The advice, evaluation, solutions and suggestions will help you in budgeting and financial planning so that you can save more money to pay off your debts and most importantly
  • You will not have to continue making minimum payments every month and eventually do no good to your finances.

Therefore, to ease your financial troubles choose these agencies and companies irrespective of the type of lean you want to pay off. Sometimes you will also get no cost guidance on debt consolidation and other options apart from financial counseling. Therefore, do not overlook these competent, knowledgeable and experienced experts.

Uncategorized Editor Tue, 04 Dec 2018 10:16:37 -0500
Debt Relief- Choosing Between Credit Counseling and Debt Consolidation Being in debt is undoubtedly an extremely stressful situation, which no one wants to go through. However, during certain situations, it becomes extremely important to take a loan from the financial institutions like banks or the credit unions. It has been observed that due to a number of personal as well as financial issues, a number of people are not able to clear off all their debts easily. This creates a bad situation, especially when that particular person owes more in comparison to what he is earning each month. When you are paying for all the other bills, it is your duty to ensure whether the debts are being paid correctly and on time. Even though you might think that you will never be able to get out of your withstanding debt, the truth is that there are a few options, which will allow you to get out of the financial crisis that you are in. Going for the different debt relief programs that are suitable with the requirements that you have, is one of the best options that you have for clearing your debts. Before doing anything else, you need to have a proper knowledge about different debt relief options that are there.

Credit counseling

An important option that you can consider is credit counseling, which is known as consumer credit counseling. Numerous credit counseling agencies are available both locally as well as online. You need to know that the best credit counseling agencies are the ones that do not charge anything. When you decide to contact a particular credit counseling agency, chances are that the counselor will spend almost an hour to discuss the financial problems that you are in. The agencies that are the best will not charge anything for this particular service.

Depending on the seriousness of the financial problems that you have, your credit counselor can recommend a structured debt management plan or a DMP. In this plan, the counselor is responsible for determining the amount that you are capable of paying, and then he will negotiate the creditors, to whom you owe money, on behalf of you. In some of the cases, the counselor can also attempt to make negotiations for reducing the rates of interest. If all the creditors or most of them agree to the debt management plan, you can stop paying them money. Instead, you have to send a monthly payment to the counseling agency, which will then distribute the payment to the creditors on basis of the agreed debt management plan.

A disadvantage that you should know about a debt management plan is that it takes almost 5 years for completion. Chances are that you will be giving up all the credit cards and you also have to control the urge to take a new credit card unless the plan has been completed. These are considered to be the biggest and most significant reasons as to why half of the debtors cannot complete the debt management plan successfully, because they are unable to control the urge of taking up a new credit card.

However, the benefit that is associated with this debt relief option is also something that you should know about. Your monthly payment is going to become lower in comparison to the total payments that you are constantly making. Also, your creditors are not going to harass you at any cost and you will not get unwanted calls from your credit company. You can click here to know more about debt relief.

Debt consolidation programs

Consolidating all the withstanding debts into a single manageable account is what debt consolidation is all about. The main objective of a debt consolidation program is eliminating the debts that have a high rate of interest and ensure that the payments at the end of every month are reduced significantly, thereby allowing you to think about only a single payment. However, this does not affect the total balance. Debt consolidation is only responsible for shifting all the debts within a single account.

You have the option of consolidating the debts by taking loans from financial institutions like banks, credit unions, or certain other sources. If you are the owner of your home and have equity, chances are that you will also qualify for the home equity loans or the homeowner equity lines of credit, and you can use these funds for paying all the other debts. These are referred to as the security loans because it is important that you keep them secured by making use of the equity within your home, as collateral. Home equity loans are also referred to as the second mortgages. No matter what you choose, you are going to lower the monthly payment in comparison to the total amount that you were paying at the end of each month. The interest rates on the debt consolidation loans tend to vary between 5% and 36%, as stated by

You can also get a personal or unsecured loan if you are not the owner of your home. However, the payment is not going to be as low as the payment that you would have got with the home equity loans. Debt consolidation is undoubtedly a great get relief option that you can consider as you will be able to avoid the debt collection agencies and the creditors, who keep on harassing you constantly. It is your duty that you do not take up a new loan or chances are that you will again go back to the same position from where you have started, and you will again struggle to make the payments.


While there are other debt relief options as well, credit counseling and debt consolidation programs are appropriate for a number of debtors. Before choosing anyone, you should have a sound knowledge about the advantages and disadvantages that are associated with them as well as the time that both of them are going to take for clearing off your debts. However, you need to understand that even you have to be extremely disciplined so that you do not go back to the same financial problems from where you have just been released.

Uncategorized Editor Tue, 04 Dec 2018 10:05:28 -0500
Things to Consider while Applying for Loans Borrowing is always considered to be a troublesome affair, not just in terms of finding an apt lender, but also to get it approved and until it is paid off fully. However, sometimes it becomes a necessity for individuals and businesses to borrow money to meet up with financial urgencies. In this article, we are discussing some essential aspects of money lending, which a borrower should know in order to ensure a hassle-free borrowing experience.

Different types of money lending to consider

There are various types of money lenders available in the financial market, which one can choose based your needs and priorities. Ranging from the most conventional mode of bank loans to the most advanced online lending, it is not a difficult task for one to reach to the apt lender and choose the right solution for your financial purpose in hand. Let’s discuss a few top options for individuals and businesses to consider.

  1. Banks

Applying for a bank loan is the simplest and conventional mode of availing funds for personal and business purposes. Even though, this it the simplest mode of fundraising, a bank loan are not accessible to everyone at all times. By utilizing a bank loan, one borrows money for a particular period. In fact, now banks are offering specific loan products with clear-cut terms and conditions, which makes it is easier for consumers to choose the most appropriate loan product. It is essential to have a good credit score to get a bank loan approved, and some loans require a personal guarantee or collateral security too for approval.

  1. The line of credit for businesses

Most of the times the need for quick funding is mostly for the businessmen, where the ideal business line of credit can be of help. This process works almost the same as a business credit card. Rather than availing a fixed amount in funding, the borrowers are given free access to funds from which they can withdraw as much money as needed within the agreed upon maximum amount. However, unlike usage of credit cards, interest rates of such business lines of credit are much smaller. These types of money lending may involve collaterals too regarding personal or business assets.

  1. Government loans

In the United States of America, there are many government sector money lenders, mostly Federal agencies like the U.S. Small Business Administration. These lenders offer easy terms to the borrowers with an objective of rural development, promotion of small business, ensuring the personal care of the lower financial class, etc. With these government-backed projects, individuals can borrow funds from banks or other authorized lenders, but agencies like SBA will act as a third-party to extend the credit and aid in repayment to the needy.

Similarly, there are plenty of other ways too for individual and business money lending as factoring, secured and unsecured loans, payday loans, credit cards, etc. to choose based on the need of the situation. One should be very careful and informative while planning to avail a loan and approach a money lender for this purpose.

Some warning signs to check for while choosing money lenders

As we have seen earlier, there are many ways to get a loan through Liberty Lending USA. Many times, it becomes a necessity for people to get a personal or business loan. So, it is essential to carefully consider the available lending options to identify whom to be contacted in case of a need to get a loan. Further, we will discuss some specific things one should check to identify the reliable lenders among many faulty lenders also in the lending scenario.

It is true that, as in case of any other sectors, there are a lot of fraudsters also in the money lending industry, aiming at looting the prospects. One primary thing to keep an eye on is that most of these fraudulent lenders are focusing now on online money lending, which makes it easier for them to do shadow operations. You can obviously look for online loans as there are a man good options, but be cautioned about the scammers to stay away. Here are some warning signs to consider.

Loan without any document

Stay alert if someone puts forth any too good to be true type dream offers. Primarily, the lenders are into this business to explore the scope of offering loan to collect back additional interest over time. For this, the only way to look for the dependability of the borrowers is by checking their documents and history. So, if you find any providers offering loans without document verification, there is a fair chance that it may be a scam.

No credit check

This is another attractive tagline many fraudster lenders use to lure the preys. The creditworthiness of an applicant needs to be assessed by crosschecking the credit score of the individual. Banks and other authorized lending institutions do a mandatory check of the credit rating. If any lenders tell you that there is no need for a credit check to approve a loan, then there is something fishy.

Need for an upfront fee

There are many cases reported like the lenders asking for a processing fee upfront, and once if it is paid the borrowers, the lender simply vanishes in the online ocean, untraceable. In case of genuine lenders, there may not be a need to pay an upfront processing fee. Fraudulent lenders may ask you to make a transfer first to their bank account to validate the transaction or as a processing fee, with which you need to be alerted.

Asking for credit card info

As the scam of collecting upfront fee is known by most of the people, frauds have adopted a new method of asking for the credit or debit card information of the applicants to use as collateral for the loan. Even though they promise not to touch your money, you will find your accounts getting swept the next moment you share the info. Genuine lenders may not want you to share any of your personal credit card information like the number or password etc.

While you are on loan or applying for one, it is also essential to check your credit reports from time to time to make sure that no entries are coming in it without your knowledge. Online loan scams are increasing in numbers, and the fraud players are always hunting for their soft targets. So, always be cautioned while planning to go for money lending.

Uncategorized Editor Wed, 28 Nov 2018 09:59:47 -0500
Debt Consolidation Loan – Different Methods and Their Pros and Cons According to figures released by the US Consumer Finance Protection Bureau at the end of 2017, there has been an increase of 9% in average credit card debt over the last couple of years. More worryingly, as per the average balances of credit cardholders with poor credit scores increased at a faster rate (26%) in the same period. What this essentially means is that more and more people leveraging credit card debt are finding it difficult to repay their dues on time.

Consolidating Debts to Manage Outstanding Dues

Examining the possibility of getting a consolidation loan is a good idea if you have a reasonably good credit score as if it is done properly, you can not only escape the wrath of your creditors but also save substantially on the interest and other expenses. Essentially, debt consolidation is just one method of refinancing your debts. You obtain a new loan that is the sum of all the debts that you have and use it to repay them; typically, these debts can not only be credit card dues but also personal loans, payday loans or any other expense that you have incurred but not paid up.

There are multiple ways of consolidating debts; some common one examined:

Home Equity Line of Credit

If you have built up substantial equity in your home, refinancing it to access funds can make eminent sense as the rate of interest is typically very low as the property itself is available as collateral. Instead of taking out a second mortgage, you can also consider a home equity line of credit (HELOC) that can save you a fortune in interest expense as there is a massive difference between the typical home equity loan interest rate and the rate charged by the credit cards. You can also possibly get a tax deduction on the interest paid on the home loan that you would not have been able to take advantage of when paying back credit card dues. The main disadvantage is that if you default on the loan repayment due to any reason, you might end up losing your home. If you opt for a variable rate of interest, you should also keep in mind that the current low rate can change and throw all your calculations out of gear.

Credit Card Balance Transfer

If you have been paying your monthly credit card dues on time, you can always ask the card issuer to reduce their rate of interest on new purchases and waive the annual fees. You can also take advantage of balance transfer offer schemes that typically allow you an interest-free period of 18-24 months. The advantage of a balance transfer offer is that you can really save huge on the interest. The deal can be made sweeter if you can negotiate a waiver of the usual balance transfer fees. Balance transfers work out the best if you can repay all your debt in the interest-free period, else you will need to identify another card with a similar scheme before the current promotion ends.

Using Retirement Funds

Taking a loan from your IRA can be very attractive since the rate of interest is pretty low and may also be zero if you pay back the money within 60 days. It is unwise to borrow against your retirement funds in case you need the repayment period to be a long one because of multiple ramifications; not only do you not earn any interest on the borrowed funds but also can be slapped with taxes and penalties that make the cost of the funds more expensive. However, these loans are very easy to avail of by those with poor credit scores as no examination of credit history is required. It is best not to use IRA funds unless you are absolutely certain that you can pay it back within 60 days as otherwise penalties and taxes will become applicable.

Personal Loans from Family and Friends

Asking for money from family and friends can be fraught with danger even though they are easily among the cheapest sources of funds. While you can give your family an interest rate that is better than what they had been earning from their banks, things can go sour if you are not able to repay them on time or even before time if there is a sudden demand. Family and friends may find it difficult to say no to you and this can cause strains in your relationships. It is important to get professional tax advice as the interest income in the hands of your lenders may be taxable and they will have to account for it. It is a good idea to draw up a professionally drafted agreement to prevent confusion regarding rights and obligations on either side.

Loans from Institutional Lenders

Even though banks and credit unions have some of the lowest cost funds, they are typically averse to lending for private use unless you have been a model customer for years. The extent of the paperwork is large and the time taken to process loan applications can be quite long since they have very strict lending policies and requirement of good credit scores for approving loans.

Getting debt consolidation loans from private lenders can be extremely quick and painless. If you have a good credit score, the rate of interest will enable you to save a packet and you can also restructure a longer repayment period to make the monthly payment more affordable. However, it is very important to deal only with reputable lenders so that you get a fair and transparent deal and not get scammed with high rates of interest and needless charges and fees even before the loan is approved.


While it is extremely important to make the right choice for consolidating your debts, it is even more important to analyze and understand the reasons why you were driven so deep into debt. You should try and take corrective actions that will ensure that spending never exceeds your income and that you can leverage debt while keeping your exposure under control.

Uncategorized Editor Wed, 28 Nov 2018 09:48:43 -0500
Portafina Champion The Need For More Awareness of Diabetes Portafina, a pensions company located in Kent, is paving the way in the efforts to bring more awareness of diabetes and raising money to help fund research into treatments.

Diabetes is a chronic illness that over four million people are thought to be affected by within the UK, and it is a subject that is close to home for Portafina’s managing director, Jamie Smith Thompson. Mr. Smith Thompson’s daughter has type one diabetes, so he knows only too well the effect it can have on a person’s everyday life. Passionate about the cause, Mr. Smith Thompson and the staff at Portafina have set up a series of fundraising events to raise money and awareness of diabetes, and are working alongside JDRF, the world’s leading charity funder of diabetes research.

Diabetes is a chronic condition that involves the body’s production of insulin, a key hormone that enables cells to use glucose as fuel. Type one diabetes occurs when the pancreas does not make any insulin or only small amounts. Type two diabetes is when the body does not use the insulin it does have in the proper way. Both types result in glucose being prevented from entering cells, so it builds up in the blood and causes a number of serious health issues if left unchecked.

Type one is the rarest form and typically begins in childhood. There are approximately 20,000 children under the age of fifteen who have type one diabetes in the UK. Type two usually occurs in adults, with those being overweight at a higher risk of developing the disease. Type two is mostly managed through diet and lifestyle choices, as well as medication.

JDRF is confident about the future of diabetes treatment and believes that better treatments can be developed and that a cure will be found. To reach that breakthrough though, more funding is needed.

Portafina staff have already raised over £1000, thanks to their Ride to Cure Diabetes 2018 cycling event, and donations can still be made through Portafina's Just Giving page. But now, they are asking for help from the wider community, and asking for anyone who is interested in helping to raise funds in any way to get in touch via Portafina's Facebook page or other social media accounts. You can also share the cause on your own social media pages, and help spread the word about this issue.

This is a great opportunity for businesses and individuals to be part of something great, and by working together, more funds will be raised to support research into diabetes.

Diabetes affects a person’s quality of life, both in the symptoms it presents and also the daily management and medications required in order to stay feeling well. The good news is that scientists are looking into new treatments, and we could only be a few steps away from finding a cure, making diabetes a disease of the past. So, join Portafina and JDRF to help to raise awareness and funding for this debilitating health issue.

For further info, please head to their Twitter (@Portafina UK), Portafina Linked In page or Portafina Youtube page.  

Uncategorized Editor Thu, 25 Oct 2018 09:34:58 -0400