What is public liability insurance?

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One of the more obscure types of insurance policy for those not running a business, public liability insurance is absolutely invaluable for those who are. Essentially it is a type of insurance policy designed to protect companies in the wake of claims made against them for damage to either property or person, arising from their business activities. What this means is that, if a member of the public is injured while on the premises of a business, that business would be covered in the event of a negligence claim. Equally it means that if, as part of their business activities, a worker employed by a company accidentally damages a customer’s home or business premises, the company employing the worker will be insured against claims. Most of the standard business public…
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5 Phrases to Add to Your Finance Lexicon

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In today's world of market ups and downs, many investors have had to change the way they save and plan financially for the future. In fact, the recent economic down turn has affected homeowners, investors, and retirees in a number of ways. Therefore, it is a good idea to be familiar with some of the terms that are being used much more frequently in today's financial world. Reverse Mortgage Now, because many seniors have had their retirement income affected by stock market returns, they have had to discover other ways to create income streams once they are no longer employed. One such way is through something called a reverse mortgage. These financial vehicles allow a homeowner to borrow money against the value of their home, and oftentimes there is no…
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Money Wasters to Beware of

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As a college student, you need to be very conscious of the way that you spend your money. There are many things that you need to pay for when you are off at college, your apartment, your food, your utilities. It can be hard to keep the right amount of money. If you are trying to budget, here are some things that you might be spending your money on that are a waste. If you cut these out of what you normally buy, you will be able to save yourself a lot of money. Bottled water. This is a complete waste of money unless you live in a country where you don't have sanitized water. There really is not need for you to drink bottled water. Even the most cheap…
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How to resolve a dispute with your bank

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In recent years, the financial services industry hasn’t exactly covered itself in glory. From unfair charges and mis-sold products to massive businesses being bailed out by the taxpayer, banks are, quite frankly, not the respected institutions they once were. If you feel your bank has treated you unfairly, you should do something about it. As an individual, this can seem daunting, but as long as you know your rights and make the most of the resources and services available to you, you should be able to reach a satisfactory resolution of your dispute. In general, the procedure for making a complaint is as follows: Contact your bank in writing outlining the problem. If they don’t provide a satisfactory response, contact the Financial Ombudsman Service. If they don’t uphold your complaint,…
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Discover Why Payday Loans Have Become So Popular

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In recent years, the popularity of payday loans has dramatically increased. In the UK alone, 1.2 million people take out a payday loan each year. Where the press once treated them with a lukewarm reception, these short term loans are fast becoming the most acceptable term of cash injection. Borrowing money from high street banks and building societies is becoming increasingly difficult for everyone – even people with excellent credit ratings. As the mainstream lenders tighten their proverbial belts, homeowners are looking for other ways to get a quick, cash injection. Payday loans provide the solution. By filling in a form online, you are able to borrow money for life’s emergencies. You pay it back on your next payday, or sooner if you can. Many high street stores have also…
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Making The Most Of Your Money

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With worldwide markets in chaos, fuel prices increasing and Governments seemingly unable to stop the crisis in the Eurozone, now is the time to look at ways to save money, make the most of what you can afford and make more intelligent purchasing decisions. Below are some ideas for getting those bargains which make your pay packet stretch much further. Saving On Food If you live in the UK you'll probably have noticed that supermarkets are the first to latch onto a trend and exploit it. Notice recently that there are 'seed' and 'grow your own' sections springing up in our supermarkets? Well there's a very good reason for this… people all over the UK are doing what Granny and Granddad used to do and are growing their own fruit…
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Is You Business FSA Compliant ?

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Call recording on landlines and mobiles is mandated by the FSA. If your business is required to comply with FSA regulations, then you will need to look into how you can meet this new obligation. Benefits of Mobile Call Recording There are a number of positive benefits associated with call recording that will make it easier for your company to achieve certain goals. For example, staff training can be improved if they are able to learn by listening to recordings of their own and others' calls. This will help to improve their telephone-communication skills in future calls. If you have a library of recordings, then you will also be able to track customer activity and billing over longer periods, putting you in a better position to address their needs. How…
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What Is The Private Equity Marketplace?

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Private equity marketplace describes equity within business not publicly traded on a stock exchange. Tell me more Private companies differ from Public Limited Companies (PLC’s) in that their shares are not traded publicly on a stock exchange. PLC’s are owned by a number of shareholders who have a share of voting power within a business usually proportionally representative to the number of shares they hold, with a board of directors who answer to and carry out the directions of the shareholders. Privately owned companies do not answer to shareholders and decisions are taken by a board of directors. The private equity marketplace is talking about any equity within these privately owned businesses. Individuals and businesses usually look to private equity marketplace investments to deliver returns within three to seven years.…
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Saving Costs for Your Business

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If you need to minimize costs in your company’s travel then the following tips will help you both cut costs whilst also improving the return on investment of that travel by making it better for your employees. (1) Be Honest with your Team – We all know that the economy is in the tank and so do your employees. That’s why if you need to make some belt-tightening cuts in certain areas it is fine, indeed a good thing, to include them in the planning and discussion of those cuts. Give them a good explanation as to why you’re making the cuts and what areas they are in and get their opinions as to where the best areas to cut corners might be. Assure them that their safety and comfort…
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What Is Good Credit Good For?

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Credit ratings are one of those things that are hard to build up and easy to make mistakes on. Unfortunately, credit companies and lenders aren’t in the habit of praising customers for doing the right thing, whereas they are in the habit of penalizing and reporting customers for mistakes which are made. It can be easy to feel discouraged and to give up on your credit score! If you’ve made a couple of late payments, or defaulted on your loan, it’s never too late to get your financial future back on track, and there are some great reasons you may not have considered to remember why good credit is important for you. Good Credit Will Help You Rent or Buy A Home Behind every successful person there is a place…
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