The Life And Career Of Ewan Sheriff

Having always been keen on sports, Ewan Sheriff participated in football, golf, curling, swimming and rugby throughout his time at both school and university.

Mr Sheriff holds eighteen years of high-profile experience in the Commercial, Real Estate and Asset Management arenas, with high-exposure firms located in Edinburgh, Glasgow, London, Dubai and Abu Dhabi, respectively. At the end of 2009, having long held an interest in the Middle East and it’s business opportunities, Ewan Sheriff sought to embrace the regions richer and more balanced lifestyle for himself, his wife and his three young children. The Sheriff family relocated from Edinburgh, UK to Dubai, UAE in April 2010 and have never looked back. Mr Sherriff himself has embraced learning about a new legal system, and continues to enjoy the vast cultural and lifestyle offerings of the region. Being a keen sportsman, Ewan continues to root for his Celtic football team from abroad, as well as running, swimming and playing football in Dubai. He and his wife remain avid travellers and his family keen skiers.

The Dubai & Abu Dhabi based firm of Davidson & Co. Welcomed Ewan Sheriff to their team in late 2009, where he now holds the title of Partner in Corporate and Commercial Real Estate. Davidson is a leading-edge, United Arab Emirate speciality firm of western-trained lawyers, with in-house Emirati Counsel; a model which continues to increase market share. To date, Mr Sheriff has implemented key operational methodologies and Anti-Money Laundering Law procedures to instil the standardization of corporate wide activity. In keeping with his career concentration, Ewan continues to advise on corporate and commercial contract matters, UAE Vehicles of Incorporation, Commercial Real Estate transactions, Asset Management and Origination.

The credentials and standing of Ewan Sheriff as a true professional are in no doubt and he is often praised by clients and co-workers alike. Over the years he has become well known in the industry for his wide-spread knowledge in across several sectors and is renowned for his limitless dedication when it come to being part of a team. There are many examples of external praise and here is one example – a comment about Ewan made in the Chambers Directory from his time working in the UK..

Chambers Directory comment:
“The dynamic leadership of Ewan Sheriff has seen this Edinburgh-based team’s profile escalate dramatically in recent months – indeed, many sources believe that the practice “would be a pale imitation of itself without him.” The group is renowned for its representation of Irish investors in property acquisitions, but also handles leasing, investment, development and funds work and supports the firm’s superb corporate department. The team recently represented Belfast-based William Ewart on its £267 million acquisition of the Gyle Shopping Centre, near Edinburgh”

Owner Builder Insurance Advice For Owner Builders

There are few insurance brokers out there who take the time to understand your needs and assist you throughout the building cycle process. It is vital that you know what kind of insurance to buy and want kind of cover is necessary.

Owner builder insurance products are a must for anyone deciding to owner builds their home. Don’t get lost with all the different protection and covered offered by different providers, find out which products you need.

So you want to build your own house and add that personal touch to your home? Owner building is becoming increasingly popular and ensuring that you have the correct insurance cover is vital. The key to a successful owner built project is to make sure that you are fully insured from the start.

The following insurance products are a MUST for any owner builder –
1. Construction & Liability Insurance
Also known as contract works insurance or construction all risk insurance which is insurance protection for people renovating, building or extending their home.
Construction insurance protects owner builders from most main risks that may be encountered during the construction and building process. This includes weather related damages, fire, issues with their workers or workmanship and more. (Consult your insurance broker to ensure what risks are protected).
The liability portion of this insurance is known as Public liability insurance. This protects the owner builder for their legal liability against injury or damage to third party property. As an owner builder you are responsible for the site safety and overseeing building works – without this cover you would be liable if anyone is injured at or near your building site. Although it is not mandatory to have construction and liability insurance cover it would be risky not to have it. Most local councils will however require you to have this cover prior to commencing any building work.
2. Personal accident or volunteer workers insurance cover
Building and construction sites are listed as being amongst one of the more dangerous places to work. As an owner builder you can choose to assist your tradesmen and builders with the construction. If you are injured or incapacitated during construction and cannot attend your normal form of employment, having the right personal accident insurance cover will offer you the right protection.
3. Builders Warranty Insurance
Owner Builder Warranty Insurance mandatory insurance required by the Home Building Act 1989. Although it is mandatory, the policy is for benefit of the house purchaser and does not provide any cover to the actual Owner Builder.
This policy protects the subsequent owner from any defective work on the property if you as the owner builder have died, disappeared or become insolvent. Builders warranty insurance is mandatory insurance cover. It is essential to take out Owner Builder Insurance before any work is started as otherwise the project will be difficult to insure. Standard policies run for 12 months but, if the construction takes longer, extensions are usually available.
Owner builder insurance is compulsory for all residential building works in excess of $12,000. If you are an owner builder and sell your property within 6 years of its completion or renovation you will ne to provide the with residential owner builder warranty insurance.
It is required by law to be taken out when selling within the statutory period – Statutory period for New South Wales and Victoria is 6years and 7 years in Western Australia.
An Owner Builder, who sells within 6 years of completion without any Owner Builder Warranty Insurance, or who fails to attach an insurance certificate to the Contract of Sale can be fined, amounts over $10,000. If a Contract of Sale has been entered into without Owner Builder Warranty Insurance, the contract can be voided by the purchaser at any time before completion of the contract. It is therefore in your best interest to ensure you have the right advice when owner building.
SavillHicks Corp is a leading Australian insurance broker that specializes in owner builder insurance. Savill Hicks will assist you by being actively involved with owner builders from permit stage right through to the sale. We will talk you through all the vital products required at a cost effective rate. Visit our website for more information on owner builder insurance, builder warranty insurance and construction & public liability insurance.
Different Types of Builders Insurance –
Learn how to differentiate the different builders and tradesmen insurance products. Learn which ones are mandatory, what each covers and who can provide you with the best information and service on selecting these products.
Insurance for Tradesmen – (trades insurance)
Even the most careful and skilled tradesmen can make a mistake or have things gone wrong. In such a scenario it would be unfortunate to not have the adequate insurance cover to protect not only your self but also your employees, contractors and tools.
What types of insurance should tradesmen get?
Public Liability Insurance – This will cover injury to 3rd party at or around the building site
Mobile Plant and Equipment Insurance – this will ensure that all your mobile plants and building equipment are protected not just at the time of damage but throughout the policy term.
Other builder’s insurance products at a glance:
Builder Warranty Insurance
With this insurance cover the building contractor is required to obtain the builder warranty insurance for every project they work on that exceed $12,000.
Construction insurance
Construction insurance or contract works insurance/construction all risk insurance offers protection for people renovating, building or extending their home.
This cover protects builders from most main risks that may be encountered during the construction and building process including weather related damages, fire, issues with their workers or workmanship and more.
Professional Indemnity Insurance:
This insurance covers members of a particular profession that adhere to a code of practice and have minimum educational stipulations or requirements. This would typically cover any loss from the conduct of consultants or sub contractors if under the insured’s direction they would not be covered themselves.
Directors and Officers Insurance: which deals with the civil liabilities that directors can incur personally? It protects people in these positions against wrongful acts during the period of capacity
Owner Builders need to take out:
Public Liability Insurance: Again this will protect owner builders from injury to 3rd party at or around the building site
Personal Accident or volunteer’s workers insurance – this covers the owner builder from any injury or damage should they choose to assist the tradesmen during construction. This cover can also extend to the owner builders family/friends (up to 10 volunteers on site for a nominal premium)
Choosing the right insurance broker to help you find the products and cover suitable to your business and budget can be tricky. Savill Hicks Corp has found that by offering a personalized service they take the time to listen to you needs. Being specialist providers in builder warranty insurance, owner builder insurance and home warranty insurance we offer you comprehensive cover, over the phone service and same day quotes. Visit our website for more detail.

What types of insurance should tradesmen, builders or anyone in construction invest in?

1. Public Liability Insurance – This will cover injury to 3rd party at or around the building site

2. Mobile Plant and Equipment Insurance – this will ensure that all your mobile plants and building equipment are protected not just at the time of damage but throughout the policy term.

3. Builder Warramty Insurance – This requires the building contractor is to obtain builder warranty insurance for every project they work on that exceeds $12,000. This is mandatory insurance so should not be overlooked.

4. Construction insurance – or contract works insurance/construction all risk insurance offers protection for people renovating, building or extending their home. This cover protects builders from most main risks that may be encountered during the construction and building process including weather related damages, fire, issues with their workers or workmanship and more.

5. Professional Indemnity Insurance: This insurance covers members of a particular profession that adhere to a code of practice and have minimum educational stipulations or requirements. This would typically cover any loss from the conduct of consultants or sub contractors if under the insured’s direction they would not be covered themselves.

6. Directors and Officers Insurance: which deals with the civil liabilities that directors can incur personally? It protects people in these positions against wrongful acts during the period of capacity

Anyone deciding to owner build their own home shoud ensure they are correctly covered for any accidents that may occur during the process. Owner Builders need to ensure that they have

1. Public Liability Insurance: Again this will protect owner builders from injury to 3rd party at or around the building site

2. Personal Accident or volunteer’s workers insurance – this covers the owner builder from any injury or damage should they choose to assist the tradesmen during construction. This cover can also extend to the owner builders family/friends (up to 10 volunteers on site for a nominal premium)

This is an overview of all the insurance products you need to understand if you are in the building and construction industry. Savill Hicks Corp is a leading insurance broker catering to the building and construction industries.
Home Warranty Insurance
Home warranty insurance is acquired by a builder and has to be issued to the homeowner to protect them against loss due to completion, defects and any other statutory breaches.
It is a legal requirement that all builders take out this insurance. Unfortunately the insurance does not cover any contractual disputes or defective/unsatisfactory work by a builder. This can however be taken up via tribunals under the consumer protection legislation.
As a homeowner it is advantageous to ensure that a builder has home warranty cover as it ensures that the builder is fully registered. Home warranty is required for a builder’s registration. It also promotes the builders adherence to standards as they need to consistently produce good work to remain registered.

Remarkable Achievements – Marlee Matlin And Helen Keller

The names Helen Keller and Marlee Matlin are world-famous. Helen Keller was the little deaf and blind girl whose early life inspired the stage play and the movie The Miracle Worker and Marlee Matlin was the young deaf actress from the show Children of a Lesser God. However, despite the differences in their situations, there are some striking similarities between the lives of these two remarkable women.

Helen Keller was born in 1880 in Alabama; Marlee Matlin was born in Illinois in 1965. Yes, both were deaf; but what other similarities could be found between these two people?

Both children were born sighted and hearing. At the age of eighteen or nineteen months, both girls suffered high fevers which resulted in Marlee’s profound deafness and Helen’s profound deafness and total blindness. Neither family wanted to send their daughter to live away from home: After visiting several distant residential schools for the deaf, the Matlins enrolled Marlee in self-contained and mainstreamed classes near home. The Kellers, after considering putting Helen in an asylum, kept her at home and found Annie Sullivan to give Helen her first years of education.

As young women, both attended college. Helen Keller learned to speak, and was the first deafblind person to earn a Bachelor’s degree. Both were performers: Marlee Matlin’s ongoing career is well-documented, and Helen Keller and her teacher Annie Sullivan traveled the world, first in lecture circuits and then in Vaudeville shows. Both women devoted themselves to advocacy for increasing awareness in the general public for those with physical challenges. Both campaigned for improved educational opportunities for the deaf and blind as well. Helen Keller spent her entire adult life touring the world, advocating for improved education for the deaf and deafblind. Ms. Matlin is a spokesperson for an organization called the National Captioning Institute. She was one of the driving forces that created a law that calls for all televisions 13 inches or larger to contain a chip to enable closed captioning for deaf viewers. This opened up a much larger world for deaf viewers, and has been called a godsend for the deaf.

And what about the differences between these two women? These are also remarkable.

For Helen Keller, life in general was much more limited, and this was not only because of the additional challenge of her blindness. At that time, there were no specialized services for young challenged children. When Helen was turning 7, she was mute and behaviorally uncontrollable. She had just discovered that words mean things, and had just learned her first fingerspelled words. As an adult she and her teacher had to physically travel, which was itself no easy undertaking, to make her speeches and appearances in order to strive to better the lives of the deaf and deafblind.

When she was seven years old, Marlee Matlin was fortunate enough to go to summer camp. Also, she starred as Dorothy with both hearing and deaf children in a school production of The Wizard of Oz. As an adult, travel is much easier, and apprearing via telepresence is common. Her career and her charitable and advocacy activities can be found with a few clicks of a mouse.

Different lives? Absolutely. A similar heart? Most likely. Helen Keller and her teacher Annie Sullivan, and others like them, pioneered the improvements in education for the deaf and deafblind. Marlee Matlin has continued in this cause, as will others after her.

How to Select a Worker’s Compensation Lawyer

Somebody who has been injured at work needs to find an experienced worker’s comp lawyer or work’s comp attorney. Before you start your search for representation, there are a few important things you should know. You can begin your search online. There are a number of directories online and many of them offer information and referrals. You will be able to compile a list of legal professionals in your area and conduct online searches to find the opinions and reviews of those who have worked with their offices in the past. Proffesional organizations also yield a number of results. They will give you information for people who are qualified and a part of the organization. In many cases, professionals have to achieve or adhere to certain standards in order to be a member of a given organization. Choosing from that particular pool gives you some peace of mind. Other legal representatives are another good resource. If you have worked with someone for other reasons, they might be able to suggest someone who suits your needs now. Once you have a couple of options on your list, set up a consultation appointment with each. These meetings are usually free and they give you a chance to meet the person who will represent you. This is a great way to find out how comfortable you are working with someone. They can also give you an idea of what to expect as you move forward with your case. If you are unable to schedule a meeting like this with someone for a long time, it might mean they are too busy and you will be neglected during your case. During the meeting, you should focus on a few key things. Ask about the person’s background and how much experience they have with your type of case. Check them out ahead of time with research on their website, as well as through your state’s licensing bureau. Find out if they typically represent individuals or companies in cases like this. Most of them only work for one side or the other and you want someone without a conflict of interest. Also find out how much of their practice is devoted to cases like yours. You want someone with expertise whose resources are not spread too thin.It is also possible to find out if an office has experience working with the insurance companies you are currently dealing with. If they have worked with your employer or their insurance carrier before, they might have some idea what to expect. Personal aspects of your meeting are also important. Determine whether you think you are being listened to during the meeting. The person you are considering working with should understand your case and be prepared to deal with you. They should also present themselves as confident and knowledgable. You need to feel comfortable with your legal representation. Finally, ask about logistical measures, like getting references and if you can get a retainer. Ask if there will be extra costs should you choose them to represent you and if you will be responsible for things such as court reporters or witnesses. Published at: https://www.isnare.com/?aid=927158&ca=Legal

Remarkable Achievements – Marlee Matlin And Helen Keller The names Helen Keller and Marlee Matlin are world-famous. Helen Keller was the little deaf and blind girl whose early life inspired the stage play and the movie The Miracle Worker and Marlee Matlin was the young deaf actress from the show Children of a Lesser God. However, despite the differences in their situations, there are some striking similarities between the lives of these two remarkable women. Helen Keller was born in 1880 in Alabama; Marlee Matlin was born in Illinois in 1965. Yes, both were deaf; but what other similarities could be found between these two people? Both children were born sighted and hearing. At the age of eighteen or nineteen months, both girls suffered high fevers which resulted in Marlee’s profound deafness and Helen’s profound deafness and total blindness. Neither family wanted to send their daughter to live away from home: After visiting several distant residential schools for the deaf, the Matlins enrolled Marlee in self-contained and mainstreamed classes near home. The Kellers, after considering putting Helen in an asylum, kept her at home and found Annie Sullivan to give Helen her first years of education. As young women, both attended college. Helen Keller learned to speak, and was the first deafblind person to earn a Bachelor’s degree. Both were performers: Marlee Matlin’s ongoing career is well-documented, and Helen Keller and her teacher Annie Sullivan traveled the world, first in lecture circuits and then in Vaudeville shows. Both women devoted themselves to advocacy for increasing awareness in the general public for those with physical challenges. Both campaigned for improved educational opportunities for the deaf and blind as well. Helen Keller spent her entire adult life touring the world, advocating for improved education for the deaf and deafblind. Ms. Matlin is a spokesperson for an organization called the National Captioning Institute. She was one of the driving forces that created a law that calls for all televisions 13 inches or larger to contain a chip to enable closed captioning for deaf viewers. This opened up a much larger world for deaf viewers, and has been called a godsend for the deaf. And what about the differences between these two women? These are also remarkable. For Helen Keller, life in general was much more limited, and this was not only because of the additional challenge of her blindness. At that time, there were no specialized services for young challenged children. When Helen was turning 7, she was mute and behaviorally uncontrollable. She had just discovered that words mean things, and had just learned her first fingerspelled words. As an adult she and her teacher had to physically travel, which was itself no easy undertaking, to make her speeches and appearances in order to strive to better the lives of the deaf and deafblind. When she was seven years old, Marlee Matlin was fortunate enough to go to summer camp. Also, she starred as Dorothy with both hearing and deaf children in a school production of The Wizard of Oz. As an adult, travel is much easier, and apprearing via telepresence is common. Her career and her charitable and advocacy activities can be found with a few clicks of a mouse. Different lives? Absolutely. A similar heart? Most likely. Helen Keller and her teacher Annie Sullivan, and others like them, pioneered the improvements in education for the deaf and deafblind. Marlee Matlin has continued in this cause, as will others after her. By: Rosemary Kurtz Article Directory: http://www.articledashboard.com Rosemary Kurtz, M.A., is hearing and works as an interpreter and tutor for the deaf, as well as writing for a company that provides assistive devices to challenged people. Her two hearing children learned sign language from their earliest days. Teaching young children to sign aids in their development and school success. Please visit www.signlanguageforchildren for more information on teaching your child to sign.

The names Helen Keller and Marlee Matlin are world-famous. Helen Keller was the little deaf and blind girl whose early life inspired the stage play and the movie The Miracle Worker and Marlee Matlin was the young deaf actress from the show Children of a Lesser God. However, despite the differences in their situations, there are some striking similarities between the lives of these two remarkable women.

Helen Keller was born in 1880 in Alabama; Marlee Matlin was born in Illinois in 1965. Yes, both were deaf; but what other similarities could be found between these two people?

Both children were born sighted and hearing. At the age of eighteen or nineteen months, both girls suffered high fevers which resulted in Marlee’s profound deafness and Helen’s profound deafness and total blindness. Neither family wanted to send their daughter to live away from home: After visiting several distant residential schools for the deaf, the Matlins enrolled Marlee in self-contained and mainstreamed classes near home. The Kellers, after considering putting Helen in an asylum, kept her at home and found Annie Sullivan to give Helen her first years of education.

As young women, both attended college. Helen Keller learned to speak, and was the first deafblind person to earn a Bachelor’s degree. Both were performers: Marlee Matlin’s ongoing career is well-documented, and Helen Keller and her teacher Annie Sullivan traveled the world, first in lecture circuits and then in Vaudeville shows. Both women devoted themselves to advocacy for increasing awareness in the general public for those with physical challenges. Both campaigned for improved educational opportunities for the deaf and blind as well. Helen Keller spent her entire adult life touring the world, advocating for improved education for the deaf and deafblind. Ms. Matlin is a spokesperson for an organization called the National Captioning Institute. She was one of the driving forces that created a law that calls for all televisions 13 inches or larger to contain a chip to enable closed captioning for deaf viewers. This opened up a much larger world for deaf viewers, and has been called a godsend for the deaf.

And what about the differences between these two women? These are also remarkable.

For Helen Keller, life in general was much more limited, and this was not only because of the additional challenge of her blindness. At that time, there were no specialized services for young challenged children. When Helen was turning 7, she was mute and behaviorally uncontrollable. She had just discovered that words mean things, and had just learned her first fingerspelled words. As an adult she and her teacher had to physically travel, which was itself no easy undertaking, to make her speeches and appearances in order to strive to better the lives of the deaf and deafblind.

When she was seven years old, Marlee Matlin was fortunate enough to go to summer camp. Also, she starred as Dorothy with both hearing and deaf children in a school production of The Wizard of Oz. As an adult, travel is much easier, and apprearing via telepresence is common. Her career and her charitable and advocacy activities can be found with a few clicks of a mouse.

Different lives? Absolutely. A similar heart? Most likely. Helen Keller and her teacher Annie Sullivan, and others like them, pioneered the improvements in education for the deaf and deafblind. Marlee Matlin has continued in this cause, as will others after her.

The Completely Different Profiles of a Business Litigation Lawyer and a Contingency Lawyer

All varieties of businesses have risks and legal guidelines governing them, whether or not or not the business is newly established or has been current for a long time. A business litigation lawyer helps businessmales to resolve authorized matters associated to their public, civil, and personal dispute. The time period litigation is used to explain legal proceedings concerned in fixing controversy of regarding events or more. There are conditions whereby your legal rights as a businessman should not protected and you would have to use authorized action to sue that other celebration concerned. In instances like this, having a superb business litigation lawyer is necessary. When choosing the proper business litigation lawyer on your business transactions, it is important that you simply verify his or her agency’s background and the business litigation lawyer’s past record. The complication in business transactions these days makes it crucial that you rent an skilled business litigation lawyer. Most of these lawyers are environment friendly in analyzing your business field and its functions. These professionals have the capability of handling contracts, negotiations, and preparations. A business litigation lawyer knows and understands the legislation, the foundations, and the regulation of the federal authorities and state securities. They are additionally geared up with skill in understanding buy and sell settlement between business parties; they’ll deal with business disputes, both civil and criminal. A business litigation lawyer can have experience in logos of various business organizations which will always work to your advantage. Hiring a business litigation lawyer requires trust since issues about your business transactions will be revealed with nice indiscretion. It’s best that you look for many who have previous experience with somebody you know in order that you already know the lawyer could be trusted. Alternatively, a contingency lawyer is one who does not charge per hour fee. The contingency lawyer only asks for a percentage of cash involved within the case only if the case is won. When you don’t have sufficient funds, or are suing however don’t have sufficient means to help courtroom trial fee and lawyer’s price, you possibly can search for a contingency lawyer. The advantage of that is which you could proceed together with your case without needing to make loans to help financial expenses. The amount or the share taken by the contingency lawyer would rely on the complexity of the case, the risk involved within the matter, and of course the cost spent in pursuing the case corresponding to courtroom filing fees, witness charges, doctor’s file, etc. Usually, about 20 to 45 percent of the consumer’s recovery sum is taken by the contingency lawyer, though it varies from states to states. It’s just a matter of understanding where to go and who to talk to. The one drawback of hiring a contingency lawyer is that the amount charged or taken in the long run of the case is approach greater than their per hour fee, however if the judgment of the court docket is against your aspect then you wouldn’t need to pay for a single cent to your contingency lawyer. If you think about it, on this situation a contingency lawyer should do his best to win the case or else he won’t receives a commission in any respect, so the possibilities of winning your courtroom case can be larger!

How to Select a Worker’s Compensation Lawyer

Somebody who has been injured at work needs to find an experienced worker’s comp lawyer or work’s comp attorney. Before you start your search for representation, there are a few important things you should know. You can begin your search online. There are a number of directories online and many of them offer information and referrals. You will be able to compile a list of legal professionals in your area and conduct online searches to find the opinions and reviews of those who have worked with their offices in the past. Proffesional organizations also yield a number of results. They will give you information for people who are qualified and a part of the organization. In many cases, professionals have to achieve or adhere to certain standards in order to be a member of a given organization. Choosing from that particular pool gives you some peace of mind. Other legal representatives are another good resource. If you have worked with someone for other reasons, they might be able to suggest someone who suits your needs now. Once you have a couple of options on your list, set up a consultation appointment with each. These meetings are usually free and they give you a chance to meet the person who will represent you. This is a great way to find out how comfortable you are working with someone. They can also give you an idea of what to expect as you move forward with your case. If you are unable to schedule a meeting like this with someone for a long time, it might mean they are too busy and you will be neglected during your case. During the meeting, you should focus on a few key things. Ask about the person’s background and how much experience they have with your type of case. Check them out ahead of time with research on their website, as well as through your state’s licensing bureau. Find out if they typically represent individuals or companies in cases like this. Most of them only work for one side or the other and you want someone without a conflict of interest. Also find out how much of their practice is devoted to cases like yours. You want someone with expertise whose resources are not spread too thin.It is also possible to find out if an office has experience working with the insurance companies you are currently dealing with. If they have worked with your employer or their insurance carrier before, they might have some idea what to expect. Personal aspects of your meeting are also important. Determine whether you think you are being listened to during the meeting. The person you are considering working with should understand your case and be prepared to deal with you. They should also present themselves as confident and knowledgable. You need to feel comfortable with your legal representation. Finally, ask about logistical measures, like getting references and if you can get a retainer. Ask if there will be extra costs should you choose them to represent you and if you will be responsible for things such as court reporters or witnesses.

Worker’s Compensation Lawyers

Worker’s Compensation is a program that is available, and usually mandatory, for most businesses. It is there to protect the business in the event that an employee is hurt on the job. If an employee is injured at work, it is up to the business to pay all the medical bills. Without Worker’s Compensation insurance, those costs can have an enormous effect, especially on new or small businesses. With this type of insurance, hospital trips, follow up appointments, prescription drugs, and surgeries will be covered. It is available to protect the business from these large bills, as well as from lawsuits. When an employee signs on and agrees to Worker’s Compensation, he or she waives the right to take legal action against the business should an accident occur. If starting a new business, it is important to become familiar with the requirements of Worker’s Compensation, which may differ depending on the district or state that the business is located in. Depending on the nature of the business, there could be different levels of insurance available, which may bring lower costs and a benefit for any new business. Although many businesses have important safety programs and protocols, employees currently have to work faster and harder to keep up with higher demands. This increased rate, along with the resulting stress, is bound to cause injury in the workplace. In the event that an injury does occur, proper protection through Worker’s Compensation insurance or through a lawyer will bring about a favorable result. Worker’s Compensation lawyers are an important and critical investment for these claims, both for the business owner and for the employees. For business owners, if an employee does receive an injury on the job and wants to file for worker’s compensation, a lawyer will help to insure that the claim is legitimate and that fair compensation is given. For the employee, a qualified worker’s compensation lawyer will be able to help determine who was responsible for the injury, and will help achieve the best result from the situation. As with any type of legal action, the law can be complicated and difficult to interpret. A lawyer who knows the ins and outs of his or her field is of utmost importance. The worker’s compensation lawyer that one chooses as a representative should be a specialist. Experience is a quality that should never be overlooked. Ideally, a lawyer who has many years of experience, 10 or more, would be best. Make sure that the lawyer is a true specialist. There are other important qualities as well, however. An experienced lawyer does not necessarily equal a good lawyer. A lawyer who has seen a number of cases, and who has a successful background, is desired, but one will also want a lawyer who cares about the employee, or business, and the outcome of the case. If the lawyer has a profile or information website describing him or her, take the information seriously. Ratings from his or her peers will be a source of invaluable information, as these other experts know exactly what to look for and know what is missing. A high level of dedication and an attention to detail are two qualities that will help achieve the best result from a worker’s compensation case. The lawyer that is ultimately chosen, whether for this type of claim or any other, should always possess both. The information you obtain from this article is not, nor is it intended to be, legal advice. You should consult an attorney for individual advice regarding your own situation.

Business Immigration Skilled Worker (Professional) Semi-Skilled Worker

Canada Provincial Nominee Program ( PNP ) Overview The Provincial Nominees Program (PNP) authorizes provinces to nominate candidates aspiring to migrate to Federal Canada and desiring to settle in a specific province. Provincial Nomination is a fast-track route to Canada Permanent Residence. Candidate needs the required skills, work experience and education to make the instant economic contribution to the particular province or territory that nominates him. Fulfilling the need of more migrants in urbanized Canadian provinces, the Canada Immigration and Citizenship established the Provincial Nominee Program to accomplish the requirement of manpower in these provinces and their remote regions. More skills would bring ample boost in individual economies along with distributing sufficient investments in those employments which demand overseas skills. For prospective immigrants under the Canada Business Provisional Program, understanding various grains linked with the application process might be a tedious task, courtesy various facets associated with it. Stallion Immigration Pvt Ltd’s provincial immigration specialists understand what all it takes to file and manage the application under Canada Business Provisional Program, hence ensuring that the bowl is filled thoroughly without any surplus spilling. Every Canadian Province or territory has their own unique Provincial Nomination Programs tailored to address the particular need of the province or territory to attract business persons, investors or skilled workers. You will need to choose amongst Canadian Provinces you want to immigrate to Canada under the provincial nominee program

Key Worker Mortgages

With the price of the average home in the UK now standing at around a staggering £230,000, according to the Land Registry of England & Wales, getting onto the property ladder is becoming increasingly difficult. With most mortgages only allowing you to borrow up to 3½ times your annual salary, and it’s almost impossibility for first time buyers to get a foothold. However, it is a little bit easier if you’re classed as a key worker, thanks to a government incentive. Key worker mortgages are available to help people that are classed as key workers by the government, to help them get a house near their workplace. Jobs that fall into this category include police, nursing and teachers. The view of the government when introducing this mortgage relief plan was to stop workers from leaving these important jobs for the sole reason being that they couldn’t afford to buy a house otherwise. So how do they work? The good thing about key worker mortgages is that there are various ways you can arrange a mortgage. The main one is what’s known as an equity loan scheme. The way this works is that the key worker is given a loan to use towards the purchase of their new home. That loan is then theirs to keep – the only time they’d have to return the loan is if they leave their jobs within a 2-year period of receiving the loan. Or of they sell their house, whichever comes first. Because the loan is equity linked, it works slightly different to a more traditional loan, and is one of the reasons why they’re so attractive to the relevant workers. The best way to look at it is that you pay back the same percentage that you borrowed, as opposed to a set amount of interest as the mortgage runs down. For example: Your house is £100,000, so you get a loan of £25,000 towards it You sell the house 7 years later for £160,000 The amount you pay back to the lender that gave you the key worker mortgage is £40,000, since your initial loan was 25% of the property price Although it might seem that you have a lot to pay back, when you take into effect you didn’t have to pay the full amount for your new home when you initially bought it, you’re getting an excellent return on a low interest loan. Additionally, because you didn’t have the full amount to budget for when you purchased the property, you could put the £25,000 you saved into a high interest savings account. Or you could use it to renovate some rooms, or landscape your garden – basically anything that will add even more value to your home when it comes to reselling further down the line. Because a key worker mortgage isn’t for everyone, they can be a little more complicated to understand than a traditional one. However, as long as you speak to an advisor or broker who’s experienced in this field, you should be fine.