Archive for the ‘Personal Finance’ Category


Can This Grant Kit Get You Free Money?

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October 5th, 2011

If you’re thinking about ordering a free grant kit, you’ll quickly realize that they are not free at all. Most require a $2 – $5 processing or shipping and handling fee, which is reasonable. But even at a couple dollars, there are things you want to consider before wasting your money. The first thing to consider is what do you really expect to get out of these grant kits. Do you really think they will provide you with the golden ticket that will allow you to access billions of dollars in free government money? Some of these grant kits do provide you with that information, but many just lead you in a wild goose chase. With access to the right government grant kit, you’ll have access to a complete database of not only free government money programs, but also private foundation grants. That’s important, becaus ppi judicial review e many of these free grant kits just provide you with a list of government grants. Unfortunately, most of these programs are not for individuals. They are for researchers, students and businesses. But when you receive access to the thousands of private foundation grants, then you have a real opportunity to request cash for your personal use that you never have to pay back. But all grant kits are not made equal. Make sure when you spend even a couple dollars for shipping that you are getting the information that you really need. The real grant kits will not only provide you with the list of grants that individuals can apply for and receive, but they’ll give you the applications, show you what you need to do in order to successfully apply for these programs, and help you with the application process if needed.

Are Your Money Beliefs Blocking You From Charging What You’re Worth?

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September 19th, 2011

The topic of money is something we don’t often talk about.This was true for my client Julie.During one of our recent coaching sessions she mentioned that the only memory she had of her parents talking about money were remarks they made in passing. Comments such as: “it didn’t grow on trees”, “it was very hard to make” and “it’s almost impossible to earn a decent living”.It’s important to realise that what we see, hear and experience in our childhood, particularly around money can make a significant impact on how money shows up (or doesn’t show up) for us in later years.Unfortunately for my client, Julie, just like her parents, she too was struggling with money now as an adult. When working in an executive role for a consulting company, she never put herself forward for consideration to work on some of the la ppi reclaim rger consulting projects. She also found it extremely hard to approach her boss for a pay increase even after all her amazing achievements for which she had received numerous awards.Now, working as a specialist within her consulting practice the same pattern was occurring. She found it very difficult to sell’ herself and her services to a prospect and then was significantly undervaluing her services and undercharging even though she continued to deliver results that outshone her clients’ expectations.Perhaps just like my client, you too are failing to appreciate the value you offer your clients, which is being reflected in the fees you are charging?You certainly aren’t alone.In fact, while doing some background research for this article I came across a number of studies which showed some interesting results.

The bankruptcy centre of main interest

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September 17th, 2011

Establishing a Centre of Main Interest has attracted judicial scrutiny in the last couple of years in a few cases predominantly involving Austrian and German citizens. These cases decided whether or not a person had truly settled their COMI here. General guidance came out of these cases which help to formulate some guidance which the Insolvency Service will applyStephen Baister, a senior UK bankruptcy judge, thinks that it may be easier for the Irish to establish their COMI here than say the Austrians or Germans. “If an O’Neill or a Joyce turns up and gives an address in the UK, you think no more of it.”. There is nothing wrong at all with establishing your COMI here. It matters not how and where you built up your debt, your COMI is decided on what you do when you decl Mis Sold PPI are bankruptcy. “If you prove you have a genuine tenancy agreement or if you have gainful employment and prove you are settled here, you can fill in the forms and say you can’t pay your debts and we will make you bankrupt,” he said.Other good news as set out by the Insolvency service says, “Official receivers should note that the majority of EU citizens who seek the protection of the bankruptcy court will have genuinely relocated to the UK. They may have decided to move simply to take advantage of more favourable insolvency legislation but, crucially, so long as the re-location is real then the bankruptcy order would be correctly made in the UK. In summary, it is the fact of the relocation, rather than the intention behind, the re-location which is the decisive factor.