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According to the Government’s Insolvency Service,the business insolvency total reached more than 4,000 in the first quarter as Brexit issues and the issues with the high street hit. The industries hit the worst were in the retail trade and the vehicle repair industry.

Insolvency experts have reported that uncertainty over Brexit had placed firms under intense pressure as they had to build up stocks of parts and goods. One expert,Stuart Frith,the president of the insolvency and restructuring trade body R3,said firms had “exhausted their standard toolkit for coping with reduced demand”. He added: “Further discounting won’t cut it,or is impossible,and a restructuring is the only option”

Increasing employment costs,business rates and Brexit had taken their toll on smaller firms as uncertainty is a critical negative issue for small firms and the self-employed.

The level of administrations in the first quarter of the year also rose to 451,up 218% from the final quarter of 2018 – this being the most recorded since the first quarter of 2014

Poor trading figures over the crucial Christmas shopping period did not help,low levels of consumer confidence being mentioned here. There are around 481,000 British businesses in significant distress and are exposed to a real risk of becoming insolvent.

One of the best ways that companies can guard against insolvency is to make sure that their credit management and accounting systems are good enough to retain the required level of liquidity.

Is your business threatened by insolvency?

One way to survive is to get a cash injection,but in these hard times it can be hard to find a lender,which can mean dealing with difficult bankers. But there is an alternative if you trade with other businesses and are often paid late. This little known source of capital within your business is just waiting to be activated and better still you could be entitled to significant compensation

Antony Batty does all the hardwork for you.

We recognise that most buinessess do not have the resources or knowledge to give time on the identification and calculation of Late Payment Compensation. We can produce a report in a very short time period,most often only needing a few hours of our client’s time.

Clients do not have to do anything in this recovery process as the Antony Batty team will carry out all the communications with the buinessess concerned.

We do all the work,you receive the money and if you have been paid late on a regular basis,you could be due significant sums in late payment compensation.

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Debt settlement is a debt relief option that is available to consumers who have problems paying off their debt. In most instances,the individual has racked up a large amount of debt,along with high interest rates and associated fees. When there is no foreseeable way to be able to pay back what is owed,debt relief services are a must as they could help relieve the burden created by a seemingly never ending debt cycle.

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Any individual who owes over $5000 in unsecured debt is probably considered a good candidate for debt settlement. Debt settlement,or settling debts for less thanis actually owed,is a good alternative to filing for bankruptcy,which can have an adverse effect on one’s financial reputation and should be used only asa last resort option.

When you are constantly receiving harassing calls from collection agencies,it is no doubt a frustrating situation that can leave you feeling hopeless. Researchingvarious debt settlement law firms and companies that could help you settle your debt is a must before jumping into anything. You should make sure to find acompany or firm that is reputable and that is accredited by the Better Business Bureau so that you know they are legitimate. It is necessary to realize thatsome of these companies are nonprofit but will charge a fee.

Settling your debt in this manner is an excellent way to relieve a dire financial situation. However,one thing to keep in mind is that it is not for everyone. Prior to settling on any particular company to help with your situation,you should determine whether your financial situation is appropriate for the services they offer. If your salary is high enough,you may have a foreseeable way to pay back the debt you owe in its entirety in monthly installments.

Once you have found the right settlement law firm or company for settling your debt,you can receive a consultation and discuss your financial dilemma with adebt help lawyer or financial counselor. You should bring all paperwork relevant relating to your debt and present it to the professional with whom you meet. Those consumers who who up at the initial consultation with organized paperwork and a desire to do whatever it will take to pay off their unsecured debt are better candidates for debt settlement success.

Essentially,debt relief begins when a counselor drafts a DMP or debt management plan. The lawyer or settlement professional will speak with
your creditors and debt collectors and may get your interest and other fees reduced or even eliminated altogether. Creditors are often willing to overlook interest and fees associated with debt simply because they want to be repaid. In many instances,the debt you owe is also made lower if you are physically unable to pay off the full amount.

Once an agreement has been reached on the debt management plan,the consumer is responsible for either paying a single lump sum amount,or paying reduced monthly payments over a set time period.

Another quality of a good debt settlement candidate is persistence,or a willingness to stick to the recommended plan to pay off the debt which brings about a great deal of order to what may have been viewed as “debt chaos” previously.

By John Sage Melbourne

Policy 1: Never ever enter an financial investment without establishing the risk/ incentive

Never ever enter an financial investment up until you comprehend what is the optimum likely return and the feasible amount of loss from that financial investment. Identify initially,if the risked amount is acceptable and 2nd if the feasible return is acceptable for intrinsic the risk.

Policy 2: Cut losses,allow revenues run

These are actually 2 rules with each other. They are probably one of the most widely known and one of the most vital of all finance rules. They are also 2 of the least exercised by the newbie,particularly the first part,reduce your losses.If you are in a shedding financial investment,usually the disposition is to hold and wish. This is usually the most awful choice readily available. If you are in an financial investment that is not ending up the method you expected,cut and run.Among one of the most famous mottos in the share market is: “the fad is your friend”. This suggests that if you have recognized a wave,you get on the wave,ride it!

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Policy 3: Search for,not down

Many people think of the revenues to be made on getting in an financial investment. While that’s fine,first calculate the most awful that can occur,anticipate the most awful and prepare for this. When you have looked after what the most awful that can occur and planned for this,you are ready to enter your with any luck,lucrative financial investment.

Policy 4: Never ever invest more than you can manage to lose

When ever before you are taking the chance of more than you can pay for to lose,you are also taking the chance of and more than likely shedding your objectivity. Choices after that come to be based upon emotional imperatives and consequently not based upon the truths as they actually are.

Policy 5: Don’t battle the fad

Your individual or certain financial investments will certainly be affected considerably by the general fad of the complete market. It is very harmful to bet on a certain financial investment going against the market as a whole.

Policy 6: Acquire financial investments that you can offer

It is very easy to get into an financial investment,you just create a cheque. Yet prior to leaving an financial investment you have to find someone willing to create you a cheque. Constantly think about prior to getting involved in an financial investment,just how you are going to out.

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The US government has made provision for the Veterans by offering them numerous debt relief grants for monetary aid to clear off debts. The grants have been initiated with the purpose to offer support to Veterans who have once served our nation.

Veterans who have incurred huge debts and have insufficient finance to clear them can avail varied grant programs and options that can pull them from their crisis situation. Read the article to know your options that will help you clear your liabilities and assist you to go back to a debtless life.

Debt Relief Grants that Veterans Can Apply for

The US Grant Programs for the Veterans offer help in case of financial crisis that can be later consumed to clear debts to get back on feet. In 1989 the U.S. Department of Veterans Affairs (VA) was established with the mission to serve the American soldiers. The VA commits to provide support to Veterans and their families,shelling out almost $90 billion per year to fulfill their needs such as:

• Housing grants

• Medical care grants

• Business grants

• Legal representation grants

• Education grants

• Health and nutrition grants

• Unemployment benefits

• Disability compensation

• VA pensions

• VA life insurance

• Financial counseling

• Death benefits

• Government grants for real estate investing

• Loans and relief fund

Covering for the Debt Crisis

The government has levied many special laws and programs in favor of the Veterans and service members to help them out of debts and relieve them from the constant worry of repayment. For instance,service members in active duty need not pay more than 6 percent interest for their credit cards,they have the authority to cal off their rent with no penalty and they can remain safeguarded against foreclosure of property.

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If you are still in debt,the main aim must be to clear the complete debt but that can be done sparingly by availing other probable options to reduce the load. Some options to consider can be:

Debt refinancing:it’s a popular idea where a new loan with lower interest rate is taken to clear off the previous multiple and segregated debts taken. Pay off all the debts at once and only worry for one loan to be paid. Start making arrangements from the varied options for the new loan. The VA loan offers added benefits,higher loan amount,low-interest rate,easy lending process and better repayment procedure.

Debt Settlement:it is also a preferred option that can help Veterans to negotiate and lower the amount to be paid,hence saving the dollars. Through reputable debt settlement firms the negotiation can be done. Even Department of Veterans Affairs offers options for debt settlement in case of education loan,mortgages,home loan and others.

Veterans thus,have multiple options to avail for debt relief. Calculate the payments to be made,talk to the negotiators or debt settlement companies,list the benefits ofdebt relief grant for veterans,avoid incurring any more debts and make your move with the best strategies.

The revolution of credit cards has played a huge role in today’s economic state. The average credit card debt for households with credit cards is over $15,000. With the average income of an entire household being just over $45,000 a year,that can take a long time to pay off. When considering that the majority of people with credit card debt tend to have lower-paying jobs,the numbers look even bleaker. Many people feel that it is taboo to talk about their credit card debt with friends and extended family. The reality is that almost everyone in the United States is carrying some level of credit card debt. The best thing to do when facing minimum payments that are just too high is to seek the help of a professional.

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Experts in credit debt relief can consolidate credit card payments from many loan companies into one low monthly payment,saving money on interest and making the monthly payments significantly easier for the struggling parent or professional. With so many people across the country encumbered with debt,there is no shame in finding help. These options work,and they can help make even the most dire debt situation manageable again.

Exploring credit debt relief options is easy with the help of an expert. They will ask the right questions and help make the tough decisions. In the end,what is left is a manageable,comfortable plan to eliminate debt forever.

It’s hard to control spending,but once a decision is made to get help with credit debt relief it is easier to use the willpower and discipline necessary. Little actions often have surprising consequences. Cutting two lattes from a work routine can save over $750 a year. Driving just 10% slower can save hundreds over the course of a long commute. And choosing the generic dish soap over the premium brand adds up month after month to create a positive change. These changes make little difference on their own,but when they are combined,they create a powerful momentum of debt reduction that gets smoother and easier over time. The battle can be won,and credit card debt can be reduced and obliterated when credit debt reduction strategies are used and implemented by a well-trained expert.

Life with debt is stressful. Every step feels like it’s taken on a precarious edge,but taking the time to contact an expert in the field ofcredit debt reliefis an important step. Comfort,peace of mind,and a true sense of control are one of the best gifts that can be given,and debt consolidation is the best way to get it done.

When it comes to either selling houses as a business or creating floor plans for your own property,there is much to think about. For estate agents or property developers,proper planning will assist you to make sales and grow sales. For people thinking about private home design,it will ensure you get the finished result you want.

When it comes to making the right preparations,creating a good floor plan is top of the list. This will map out in fine detail and scale the layout of a property from a bird’s eye perspective. It is the best way to get a good view of the building in question to show buyers or make design calls from.

Detailed floor plans for selling houses

If you work in an estate agent office or even run one,then being able to include detailed floor plans in your listings is vital. But why is this?

Buyers expect to see one

The first reason to ensure you have a clear floor plan for each property you have on your books is that buyers will expect to see one. It is just one of the standard things that most people will want from you now when looking at homes. If you do not use detailed floor plans in your business,then you may lose customers to estate agents who do.

More effective than only using photos

One good thing about floor plans is that they help buyers to visualise a property when combined with standard photographs. The details on a floor plan show things that normal photographs cannot,but which may be important information which a buyer needs to make an offer.

Saves wasted time

One of the big issues for many estate agents is conducting viewings,only for people to instantly discount the property because it is not what they thought from the photographs. Using floor plans in your listings helps to reduce this wasted time by giving more information to buyers. When someone has viewed a floor plan,they have a much better idea before they book a viewing,of what the property is about.

What about detailed floor plans for making house design plans?

Of course,this kind of work is not only useful in a professional sense. Making a detailed plan of your home’s proposed new layout is wise when renovating or building a home from the start. But why should you do this?

Gives you the house of your dreams – making a detailed floor plan beforehand will ensure that you are fully aware of how the planned layout fits together and that you have all the features included you want. This ensures you get the house of your dreams when finished.

Less waste and quicker completion– a detailed floor plan will reduce common errors such as design features being installed in the wrong place which would usually take more time and money to make good.

Creative solutions to issues– making a detailed floor plan will also give your creative juices a zap. It will not only help you to visually see where problems may need fixing but also how any tricky issues can be overcome in terms of layout.

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If you want all the fabulous benefits that detailed floor plans deliver but in a faster,easier to access way then let us help. Our fabulous service makes drawing up floor plans simple and quick. With no downloads or training required,you will have a detailed plan ready to use in minutes.

There are many important factors to take into account prior to making any type of land or property purchase,and environmental pollution plays a major part. In the very worst scenario,environmental land pollution presents hazards,to users and or residents of the site. This is one of the reasons environmental risk reports are such an important part of due diligence for any land or property purchase.

Types of environmental contamination

There are several different kinds of environmental pollutants that can cause dangers to land users. Very often these are connected with previous industrial use of land,although this is not always the case as natural pollutants can also be a hazard.

There are many types of contaminants,these contaminants can include dust or gas pollutants that can be inhaled or contamination in soils which can be transmitted to foods grown on the land and any grazing animals,and can also impact on the health of anybody working the soil.

Other chemicals can also damage buildings or leach out of the soil due to effects of groundwater or any river,stream or pond in the area. Some of these contaminants are corrosive or could even cause fires or explosions.

Examples of contaminants include:

– Lead or other heavy metals such as cadmium or arsenic
– Tar and oil
– Asbestos
– Radioactive materials
– Chemical substances and solvents
– Gas

You can discover more about contaminated land on the UK government website.

What isthe definition ofcontaminated land?

If you want to find out more about contaminated land or read technical guides on managing special sites on the website run by the Environment Agency.

The legal definition of ‘contaminated land’ relates to land which contains substances which can cause:

– Very significant damage to property,people or protected species
– Harm due to radioactivity
– Pollution to surface waters,such as lakes or rivers,or groundwater

Some of the reasons for land contamination are when it has been previously used as:

– Factories
– For mining
– Steel milling
– Refining
– Landfill sites

Contaminated land may also fall into a ‘special sites’ category. These sites could:

– Cause serious effects to any drinking water,or surface or groundwater
– Previously have been used for activities such as oil refining or the manufacture of explosives
– Have previously been regulated under permits relating to integrated pollution controls or prevention
– Previously have been used for disposal of acid tars
– Have been used by the Ministry of Defence
– Previously been used in connection with the nuclear industry or be contaminated with radioactivity

What about brownfield sites?

Most recent Governments want to bring what’s termed brownfield land back into use in order to help preserve the greenfield sites and land within rural areas. This land regeneration often causes concerns,however. Most larger towns and cities contain areas and sites that are not in use and due to demand,development of these brownfield sites and derelict buildings are increasingly common.

In the past minimal regulations were in place to check on the re-use of brownfield sites or any potential environmental hazards thus presented. This is no longer the case,however, it has to be said most brownfield site developments are perfectly safe for residential purposes. But saying that,selling houses in these areas can present some conveyancing problems,though.

If you have any concerns about environmental contamination which could impact on your property purchase,give the experts at - a call to discuss your worries.

If you love the game of football,then you probably have one or two items from your favorite player and or team. There are many variations of “sports memorabilia”. Inevery collectible store that you go into,you will see racks of jerseys,autographed footballs,and signed portraits. Some you will find for a low price and then there are signed items that can cost a bit more. If you are an avid collector you are probably in search of the more high-end items that are signed and possibly one of a kind.

The top five autographed memorabilia items include three football players. Eli Manning comes in first,beating out his brother Peyton Manning and Tom Brady. The top five teams also include three football teams. Number two is the New York Giants,followed by the Dallas Cowboys and the Green Bay Packers.

You may not be surprised to learn that jerseys make up almost a quarter of autographed sports items.

- is great to add to any collection. There are many ways to protect your items as well such as frames,glass boxes and more. When you have spent a lot of moneyon an object,you want to be able to preserve it for as long as possible.

Watch Out For Fakes

It’s great that so much high-quality sports memorabilia exists,but it’s worth being cautious because there are many counterfeits in the sports memorabilia world. In fact,the FBI states that close to half of what you will find in the United States when it comes to autographed memorabilia is counterfeit. In some categories,the total for fake products could be as high as 90%!

If you are a huge football fan,you definitely have a huge market of items to choose from. Just remember,to be careful and verify that the item you are buying is the real deal.

Hair loss involves the shedding of hair from the body. Hair loss happens especially on the head of an individual affecting his or her scalp. Hair loss causes can be due to various factors including:

Hair loss causes can be due to various factors

1. Hair loss may be hereditary. Some individuals lose their hair due to genes that they have inherited from their families. Baldness may start to occur when the hairline of an individual starts to recede. Individuals may realize that hair loss is happening or will happen when they look into their family history.

2. Medical conditions can trigger loss of hair. Certain conditions that an individual may suffer can lead to severe hair loss such as trichotillomania. This is a condition that is characterized by the pulling of hair. It leads to a drastic loss of hair.

3. As an individual continues to age,hair is gradually lost. Most elderly people do not have a lot of hair. Aging comes with hair loss and it is normal. The older one gets,the balder he or she may become.

4. Hair loss causes can include hormonal changes within the body. During pregnancy,there are a lot of hormones that are produced in a woman’s body. These hormones may lead to hair loss. This may also occur during childbirth or even menopause.

5. Radiation therapy affects hair loss. This type of radiations that may be exposed to an individual’s head may end up affecting the growth of hair. This happens during the treatment of conditions such as cancer.

Hair loss may be permanent or temporary

Hair loss causes are very diverse in nature. Hair loss may be permanent or temporary. Certain conditions and treatments may lead to severe loss of an individual’s hair. Excessive hair loss can be very worrying to an individual. It can cause discomfort. For temporary hair loss,individuals should be aware that after some time the hair would grow back.

A brand new,18 story tower planned for Downtown Chicago,in a fancy area called Fulton Market,promises to bring a ton of new office space to an already bustling area. The tower,being planned near short-term rentals,would be backed and paid for by New York equity firm Thor Equities,and while many people are excited about the project,many who live in the area’s business apartments are concerned about the amount of traffic that would surely accompany it.

In addition to more office space,Thor Equities say that the 300 foot brick building would also feature more retail space,something that is already prevalent in the neighborhood too. Many familiar with downtown Chicago will recognize the location of the space,as it was most recently home of The Mid nightclub,which shut down last year.

While the developers have noted that no tenants have been finalized yet,there has been at least one interested party,the owner of a proposed Rascal-Flatts-themed restaurant. While the restaurant was talked about for a bit,the plan has been put on the back burner for now.

One thing many residents seem to agree on is the fact that the building,if it is indeed built in the proposed site,will crowd an already congested area of the city. Many people think that traffic would get worse,pedestrians would be less safe and that Chicago’s already-outdated sewer system will be impacted greatly. On the other hand,many see this is as proof that Chicago continues to rapidly grow. As more move to the city,they will keep looking for new places to live in,another reason why the housing market in the city is doing so well right now.

If the project is approved,the developers and investors are hoping to begin construction as early as this summer.

Did you know that your financial practice needs a proper branding and marketing strategy in order to prosper? That’s right. When you’ve devoted tons of effort to branding yourself,people will recognize you and your practice will thrive even in down markets,which is great for helping people better their financial future and building loyalty with them. You have to learn how to secure that you will get a return on your marketing spend with absolute certainty. Anyone who owns a financial practice should be able to use an effective plan for marketing.All rock-solid financial advisor marketing plans have common factors that are required to be successful,whoever you work with,and this article explains how.

Make It Clear: What Financial Niche Do You Serve?

The biggest part of your marketing effectiveness,bar none,is what’s unique about your financial services and what unique selling proposition you have to bring to your clients. Do you serve a broad variety of people in different industries? Or do you serve one specific type of client? Do you serve dentists? Doctors? What type of financial services do you provide?

You must incorporate it in your overall financial advisor marketing plan,once you know who & what you desire to serve. People know they’re working with the right financial advisor when they attain an effective financial plan that will work for their specific status.

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Whenever you put what your offers on paper,always be specific about what you are offering and how this will benefit the client. When you’re about to sign up the client,the documentation outlining your services should be signed by the client,and should be in a plain language.

Staying Ahead of the Times

Since various marketing methods change in effectiveness as society evolves towards different trends,you need to focus on long-lasting marketing assets that easily adapt to the industry,as your practice evolves and grows. A fresh way to get new clients for a financial consultancy is social media,which is fast and effective.You can create 20 direct messages on Facebook Messenger way quicker than you can make 20 phone calls. Don’t forget the process of “warming up” your cold prospects to build a relationship!

Growing Your Financial Client Base with Referrals from Existing Clients

You may like to get more business by asking your existing clients for referrals from them. You must be WORTHY of recommendations,in order to get referrals from your existing clients. While you may provide great services,proving it takes raising your credibility. That’s where branding comes into play,and there are marketing experts who know all about how to deploy long-lasting assets using personal branding for .You do not have to be working for a large financial business in order to make a name for yourself,and the results this advisor marketing consultant has generated for his clients,definitely prove this.

A Summary of the Best Financial Advisor Marketing

The most significant feature of financial planning is getting to know how one’s money will help take them to a certain point,and where they are heading to. You will realize the same is true of how you use your money in a marketing campaign: when you invest your money in marketing,how much will you get out of it in return? That’s one question that financial marketers who put together great plans will really go out of their way to resolve for you. Consult our recommended resources for . Start investing in marketing assets that will solidify your marketing message,help your clients understand what you do,and bring you R.O.I. forever.