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Myths About Making a Compensation Claim

January 26th, 2018 Posted in Money Tips
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Myths About Making a Compensation Claim - tablet with compensation image

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If you have been involved in an accident that was not your fault, and you are thinking about making a claim for compensation, it is important to do your research first. A lot of people make the error of diving right in without really knowing anything about the claims process. With that being said, read on to discover some of the most common myths regarding compensation claims so that you can separate the lies from the truth.

Myth #1 – You can claim whenever you want – This is one of the most common myths believed by people when it comes to making a claim. In fact, the sooner you claim the better, as you can see in one of our recent blog posts at http://www.thefinancialfairytales.com/. In most cases, there is a three-year time limit on claims. However, there are some exceptions to this rule, which is why it is not worth taking any risks. For example, for criminal injuries, you may only have two years. On the other hand, if you have been the victim of an industrial injury and you cannot pinpoint an accident date, you will have three years from the date of your diagnosis instead.

Myth #2 – You can claim without seeing a doctor – This is another myth that could jeopardise your entire case if you believe it. A lot of people hate nothing more than having to go to hospital. Therefore, when they sustain a minor injury, they attempt to look after themselves. They avoid a trip to the doctor’s office and they simply rest up at home and allow themselves to go better in this way. Not only is this not advisable for your health, but it can also have a damaging impact on the chances of your claim being a success too. This is because the medical report that your doctor puts together is the most important piece of evidence in any claim. This report will state the injuries you have suffered, how long it will take for you to get back to full health, if indeed you will, as well as your recommended course of treatment and any medication you need to take. This will then be used to determine how much compensation you will receive.

Myth #3 – All personal injury solicitors are the same – As is the case with all services, there are different levels in terms of the quality provided. The same applies when it comes to personal injury solicitors. You need a company that has a lot of experience and the capacity to handle a case of your magnitude and nature. It’s also important to look for a business like www.lawsonlegal.com.au who represents clients in a holistic manner in regards to their needs. Aside from this, you need to take the time to read reviews that have been left by previous personal injury victims as well to make sure the legal firm has a good reputation.

Myth #4 – You cannot claim if you were a passenger in the offending vehicle – A lot of people assume that they will not be able to make a claim for compensation if they were injured in a road traffic accident and they were in the offending vehicle. So long as you did not cause the accident, you can still make a claim. For example, if you were a passenger in the vehicle of a driver who was speeding and crashed, and you sustained whiplash because of this, you would have grounds for compensation. In fact, even if you were partly responsible, you may be entitled to a payout. Nonetheless, the amount you receive will be lower to reflect your involvement.

Myth #5 – No Win, No Fee guarantees you won’t pay a penny – This does depend on the legal firm you work with. Some legal firms are true to their word and No Win, No Fee, therefore, means that you are only going to pay legal fees if your case is successful. Nonetheless, there are some companies that still do implement small charges even though they follow the No Win, No Fee approach. This is why you need to read the terms and conditions of your contract before proceeding.

As you can see, there is a lot of misinformation on the Internet these days, but hopefully you now have a better understanding regarding what is the truth and what isn’t. This should make you feel more prepared for launching your compensation claim and getting the payout you are entitled to. http://credit-n.ru/offers-zaim/moneyman-srochnye-zaimy-online.html

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Considering a Personal Injury Claim? 5 Things You Should Know

June 28th, 2017 Posted in Money Tips
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Any personal injury is a grave injustice and in the face of any injustice it’s only natural to seek retribution.

Personal injuries are, by definition, not our fault and yet they can have far-reaching and damaging effects on our day to day lives. They can cause us to take financially damaging time off work and erode our sense of worth and personal identity. They can cause us emotional stress which can cause discord between us and our friends and family.

And that’s without going into the pain, discomfort and psychological trauma of the injury itself.

Yes, it’s safe to say that in the event of personal injury that it’s only natural that a victim should seek justice through the proper legal channels. But, as with anything, there’s a right way and a wrong way to go about it.

Here are 5 things you should know if you’re considering submitting a claim…

You should act sooner rather than later

While you absolutely shouldn’t act rashly or out of panic or anger, it is important that you take steps as quickly as you feel able. Whether your injury was the result of medical malpractice, negligence at work, a slip, a fall, a road traffic collision or even as a result of a faulty product you need to strike while the iron is hot.

The longer you wait to act decisively, the greater risk of evidence being lost or harder to collect and the more the strength of your case may be diminished. There is also an inherent time limitation (usually 3 years) on personal injury claims.

Considering a Personal Injury Claim? 5 Things You Should Know - law books image

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Once you have made the decision to act, you need to find a legal representative to assist you. While you could make the claim yourself we would advise against it as you will be in a vulnerable position and may not be able to present the best possible case for a claim.

Personal Injury Law is a huge market and it can be difficult to know who to choose when there is so much competition out there. Look for someone with a proven track record who is open and upfront about what your expectations should be. You can use this Online tool that checks if you have a no win no fee claim but whomever you choose to represent you, make sure that they work on a no-win-no-fee basis and that they will ensure that you get the maximum award owed to you.

You need to be open and honest with your representation

It may be tempting to exaggerate the details of what happened or omit details of your medical history (such as previous injury) from them out of fear that they may harm your claim. While this impulse is understandable, it can seriously harm your claim if you are not open and honest with your legal counsel. Dishonesty can lead your solicitor to make unfair or inaccurate judgements on the strength of your case and when any lies are found out it can seriously damage the integrity of your claim.

You need to take care of yourself

It may be tempting to assume that you should not look after yourself or make efforts to help your injury heal out of fear that it may harm your claim. Rest assured, legal professionals expect human bodies to heal so you should absolutely seek medical assistance and follow any medical advice given to you by your doctor.

Considering a Personal Injury Claim? 5 Things You Should Know - injury claim form image

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You will be expected to take any medication prescribed to you and attend all appointments, lab tests, therapy sessions, referrals and check-ups throughout the claim’s progression. Exacerbating your injuries through deliberate negligence will aid absolutely no-one. In fact, it will damage your claim as the opposing legal counsel may try to imply that any symptoms you experience will be a result of your own poor self-care rather than of the incident itself.

Keeping on top of your treatments, eating well and getting plenty of rest can only ever help your case.

Be aware, you may be watched

Depending on your circumstances, it’s not unheard of (though it is rare) for the defence to monitor your personal activities through a private investigator. Any documentation of strenuous activity on your part can give the defense grounds to question your honesty and this can seriously damage your claim.

For this reason you should avoid long walks, running, lifting heavy objects or going to the gym until you are advised by a medical professional that it is safe to do so.

You should keep your head down on social media

While many of your friends may feel the need to record everything they do on social media, you should avoid this at all costs. Claims adjusters or private investigators can access this information and use evidence of your activities to harm your claim. Even an image of you picking up a friend’s baby could be seriously damaging. Avoid posting on social media and turning your privacy settings up to their maximum just to be on the safe side.   

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How To Keep Your Business Safe In 2025

April 1st, 2025 Posted in Business
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Business safety is critically important both online and offline. If you’re not making wise decisions when it comes to your business and its security or safety, then this is often where trouble can strike when you’re at your most vulnerable.

With that being said, if you’re looking to keep your business safe in 2025, then here are some helpful tips to keep it from harm’s way.

How To Keep Your Business Safe In 2025 - empty building with view image

Photo by Charles Forerunner on Unsplash

Provide physical security on the premises

Physical security on your premises is a presence you definitely want to have in place. There are definitely a lot of benefits that come with having some burly men and women on your doorstep to help keep certain people from coming in and causing a problem.

Some businesses require that extra level of security dependent on what services they provide, or the influence or reputation they have as a company to the public.

Physical security can be something that you have on the doors during office working hours, or they could also take over during the nighttime when no one is in the office to ensure its safety and security from potential break-ins and theft.

Of course, the cost of having physical security in place is going to be a lot more costly than having camera security, so this is something that needs to be considered.

Install CCTV

CCTV is definitely something that you should be thinking about when it comes to the security of your business. It’s good to think about what type of CCTV you’d like to install around your business, especially when there are a varying number of options to choose from.

For example, you might want to cover every entry and exit in and outside of the building. For some businesses, that might be overkill, and instead just external building cameras are needed. It’s, therefore, worthwhile to look at what options you have available and what finances you’re able to provide to invest this money into security.

There are also plenty of options in the way of CCTV setups and quality software that will vary depending on what you have to work with financially.

Secure access points

Be sure to secure any access points when it comes to keeping your business safe. It’s important to be mindful of what access points there are around the business premises and how that might influence the security and integrity of the business.

For example, there might be certain windows or doors that have seen better days and, as such, have been compromised due to wear and tear.

This can be a security issue for your business premises and one which you want to stay on top of, rather than letting it continue to remain an open opportunity for any and all people who might be scoping out your business from the outside.

Store any cash securely

Cash is something that you don’t want to have readily available, so it’s definitely something that you should keep secure where you possibly can. Whether that’s locking it in a safe, or storing cash off-site, rather than keeping it in the premises for anyone to break in and get.

Not all businesses will handle cash nowadays, especially as many businesses nowadays operate mainly through digital sales. However, there’s still a need for cash, and therefore, if you have it on your premises, it needs to be locked away.

Back up your data in-house and externally

Backing up your data is definitely something you want to do when it comes to security and the vulnerability of data in this day and age. There are a lot of dangers online, and it’s important that you keep on top of them through the use of data backups and firewalls that protect your systems.

Get legal support for any problems

If you have any problems when it comes to the security of your business, having legal support is a must. For example, you might have disgruntled employees who try to steal or compromise data on purpose. Other legal issues could stem from problems with guests in the building injuring themselves or claiming some form of damage to their belongings.

Having a good legal aid on side can be helpful for any business looking to protect themselves.

Train your staff

And finally, don’t forget about training your staff. This one is important because you want to ensure that all your employees can be trusted to maintain the security of your premises and your presence online. There are plenty of training materials and courses to make use of for the purpose of keeping your premises secure.

With that being said, make use of all these tips to ensure your business safety in 2025 and beyond.

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The Myth of a Permanent Job

March 3rd, 2025 Posted in Business
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In today’s dynamic job market, the concept of a “permanent job” has become increasingly elusive. Gone are the days when individuals would spend their entire careers with a single employer. Several factors contribute to this shift, including evolving employment laws, changing career trajectories and in some cases, unscrupulous employers.

The Myth of a Permanent Job - lady worried over a contract

UK Employment Rights and the Two-Year Threshold

In the United Kingdom, employment rights are closely tied to the length of service. Notably, certain rights, such as protection against unfair dismissal and statutory redundancy pay, become applicable only after an employee has completed two years of continuous service with an employer. This means that employees with less than two years of service have limited protection under UK employment law.

This two-year qualifying period has significant implications. Employers may be more inclined to dismiss employees before they reach this threshold to avoid potential claims, leading to job insecurity among newer staff members. Conversely, employees may feel less committed to roles where they lack full employment rights, contributing to higher turnover rates.

The Frequency of Career Changes in the UK

The notion of a “job for life” has long since become outdated, with individuals now changing jobs and even careers multiple times throughout their working lives. Several studies highlight this trend:

  • A 2018 study by Indeed revealed that 98% of UK workers had changed jobs at least once in the previous five years, indicating a significant shift towards job mobility.
  • Research from London Business School found that 59% of women anticipated having four or more careers during their working lives, with two-fifths expecting to shift at least seven times.
  • According to StandOut CV, the average British worker changes jobs every five years, and approximately 10% have made a complete career change over the past decade.

These statistics underscore a workforce that is increasingly adaptable and open to new opportunities, reflecting a departure from traditional career paths.

Factors Driving Job and Career Mobility

Several factors contribute to the rise in job and career changes:

  1. Desire for Better Compensation: Seeking higher pay is a primary motivator for many individuals considering a job change.
  2. Lack of Job Satisfaction: A significant number of workers feel unchallenged or uninterested in their current roles, prompting them to seek more fulfilling opportunities.
  3. Career Development: The pursuit of new skills and experiences drives many to change jobs or careers, aiming for personal and professional growth.
  4. Economic Factors: Economic downturns and industry-specific challenges can lead to job losses, necessitating career changes.
  5. Technological Advancements: The rapid pace of technological change can render certain skills obsolete, encouraging workers to retrain and switch careers.

Implications for Employers and Employees

The increasing fluidity in job and career changes presents both challenges and opportunities:

  • For Employers: High turnover rates can lead to increased recruitment and training costs. To retain talent, employers may need to offer more competitive salaries, clear career progression paths, and a positive work environment.
  • For Employees: While job mobility can lead to better opportunities and personal growth, it also requires adaptability and continuous learning to remain competitive in the job market.

Conclusion

Even in occupations such as teaching, where job security was not previously an issue, the myth of a permanent job is increasingly being dispelled in the modern UK workforce. With employment rights linked to tenure and a cultural shift towards job and career mobility, both employers and employees must adapt to a landscape where change is the only constant. Understanding these dynamics is crucial for navigating the evolving world of work.

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4 Ways To Do A Quick Financial Overview For The New Year

December 17th, 2024 Posted in Money Tips
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Coming up to the new year certainly can bring around a lot of time to reflect on how the year has gone, whether that is through your career progression, family life, travelling plans or your financial situation. You may have succeeded in your goals or maybe have forgotten about them completely and need to re-evaluate how you will then tackle them this year. With so many financial issues at the forefront of people’s minds, having an effective and realistic plan on how you are going to deal with your finances for the next year would be a great way to start your new year planning.

4 Ways To Do A Quick Financial Overview For The New Year

Photo by Bich Tran:

Get Professional Advice

You may feel completely overwhelmed with your financial situation and have no clue where to start. If that is the case there is so much out there to help you. Whether that is debt advice, restructuring your finances with the bank or even hiring an accountant. Hiring an accountant is very beneficial especially if you are self-employed as they will be able to help you with your deductions and reduce your tax bill.

Get What You Are Owed 

Now would be the perfect time before the year is out to make sure you have any money you are owed. Are you waiting on a tax return that you can follow up on? Checking your energy suppliers is also a great thing to do as there may be a lump sum of credit on the account you can claim back. You may also be able to claim money from any complaints or grievances you have had. This could be making a claim against the council for negligence or you may have had a car accident and can claim and seek advice for that. 

Do An Outgoing Audit

At the end of the year is the best time to audit all of your outgoings and make sure you are aware of what exactly is going out. You could be surprised at how much you could be saving from cancelling things. There are plenty of times people sign up for a free trial and forget to cancel them after, you may not even be using that app or service. So make sure you are cancelling anything you don’t need, which could also be from magazine subscriptions to gym memberships. You can also see how much you are paying for certain things like utilities and your TV package and speak to your providers. A lot of the time, just asking you may be able to get a better deal and lower the monthly cost of what you are paying.

Be Sure To Assess The Household Finances

One of the issues a lot of households face when it comes to their finances is hiding things from each other. It is important to be open and honest and help each other when needed. Assessing your finances as a whole each year will make sure you have no nasty surprises or huge bills coming through the door that you aren’t able to manage. 

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