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When I do a trial, it’s like an individual battle each day amid a larger war. And we felt we won each day.

On the Friday before the verdict, when the jury had a specific question on damages regarding the calculation on how to award profits, I felt really confident. But by the end of the day, when the jury hadn’t reached verdict, I wondered if we were maybe too excited. It was the longest weekend of my life. I did everything possible to distract myself. Iwent to the movies. I walked on the beach. I did a Sons of Anarchy marathon on Netflix. click here, click here, click here

Upset that he wasn’t credited more for time spent in custody, his client, an Ottawa thief who lost his left eye to cancer while at the Innes Road jail removed his ocular prosthetic and threw it at the lawyer, who caught it after a single bounce off the counsel desk. click here, click here, click here, blog

Too bad. If Hale caught it in the air one of his players gets to come back in. Maybe I don’t hang around enough one-eyed people: I thought those things were called “glass eyes” for a reason. Do they bounce these days? Are they like SuperBalls now? click here, click here

“That’s the thing about this business, there’s always something new that happens,” said Hale, who joked that it was a “new form of retainer.” Told it was a good catch, he said modestly, “I could see it coming.” click here, click here, click here, read more

Jesse Whitlock, 32, is going back to jail. The lawyer gave the fake eyeball to a police guard for fear his client, who has mental-health issues, would flush it down a toilet in protest. click here, click here, click here, read more

The attorney representing the family of a man shot and killed by a Grapevine police officer said an eyewitness to the shooting offers a “very different” version from what police say happened. click here, click here, click here, read more

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Five member towns comprising the Northern Will County Water Agency voted Monday to implement a formalized system for tracking the organization’s finances, a suggestion made late last year when the agency’s first audit was completed. click here, click here, click here

Going forward, Woodridge, acting as the agency’s treasurer, will invoice members of the agency for 50 percent of their share of the annual budget in January, followed by the other 50 percent in July. click here, click here

If agency funds fall below 25 percent of the annual budget, the second invoice may be sent out sooner. click here, click here, click here,

lso will prepare an annual financial report and has created a fund to better track all receipts and disbursements, according to agency documents. click here, click here

The audit of the agency, the first in its history, found that it ran deficits at the end of each fiscal year from 2009 to 2014. click here, click here

Dan Berg of Sikich LLP, which conducted the audit, said in December that implementing basic billing procedures and other financial processes would “be relatively easy.” click here, click here

The audit Berg presented to the agency in December was just a few pages long. click here, click here, click here

“Auditors would like to have something to audit,” Berg told the board in December. click here, click here, click here

The following chart, taken from EY’s European Banking Barometer 2015 suggests this will not be a good year for people working in the financial services industry. In almost all cases it will, in fact, be worse than 2014. click here, click here,

Surprisingly, or not, this applies equally to people working in the supposedly ‘hot’ areas of compliance, risk and IT. click here,

The only jobs that look safe this year? Based upon EY’s Barometer, which is in turn based upon interviews with 226 senior bankers, you could try jobs in corporate banking, private banking, and wealth management. You don’t want to be working in a ‘head office function.’ click here,

The litigation has cost the towns more than $1 million so far, with Bolingbrook footing about 80 percent of the bill because it has the most customer taps — roughly 23,000 — affected by the disputed pipeline. click here

Salaries for government workers between Grades 7 and 14 were sufficient, the Minister of Finance, Obaid Al Tayer, told the FNC on Tuesday. click here

“There has been a 45 per cent addition in the salaries timetable,” Mr Al Tayer said. click here

“Since 2012, on the basic salary nationals filling these grades enjoy a Dh600 allowance for each newborn child, without a cap on the number of children, and a Dh125 annual bonus.” click here,

Sultan Al Shamsi, a member from Ajman, said that given the high cost of living minimum salaries must be reconsidered. click here, click here

“The overall salary of federal government Grade 10 employees under the married category is Dh7,976 a month,” Mr Al Shamsi said. “Once pension contributions are deducted, the amount is just Dh7,500.” click here, click here, click here

Lower grades earn a minimum of about Dh4,000, he said. click here, click here

“Why won’t the minimum salaries be reconsidered?” Mr Al Shamsi asked. click here, click here

“The lowest retirement salary is Dh10,000. Is it logical that an employee who goes to work every day earns Dh5,000, while one who is sleeping at home receives Dh10,000?” click here

Those in Grades 11 to 14 are employees with a middle-school education. click here, click here

Mr Al Tayer said that changing salaries for those grades would mean amending the entire salary structure, leading to additional costs. click here

Mr Al Shamsi argued that housing allowances, which vary from Dh700 to Dh2,000 for these grades, are “illogical because they are not enough”. click here

He requested that nationals’ allowance be raised to at least Dh3,000, making the overall salary no less than Dh10,000, and pointed out that the Sharjah Government had recently raised the minimum salary to Dh11,000 a month. blog

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The Defense Ministry plans to set up the lease system by June 30 to pay for equipment procurement. But there is concern in some parliamentary quarters the finance minister will state there is a need to study other methods and delay the spending under the lease. blog, click here, read more

“The meeting has been scheduled for March 22 where he would be addressing the board members and talk about announcements made in the Budget to perk up growth,” a source said. click here, click here, click here

Jaitley, who presented the Budget on February 28, is likely to inform the RBI board about steps taken to contain fiscal deficit and may underline the need to lower interest rates to promote growth. continue, continue, click here

The meeting comes against the backdrop of RBI on March 4 announcing a 0.25 percentage point rate cut within days of unveiling of the Union Budget. continue, click here, click here, read more

Jaitley is likely to compliment the central bank for the rate cut. This was the second surprise rate cut outside regular policy review in .. click here, blog, blog

The RBI’s decision to cut its policy or repo rate to 7.5 per cent — after another cut from 8 per cent to 7.75 per cent on January 15 — is also expected to lower the cost of capital for companies and give a fillip to the investment climate. click here, click here, blog

Social Finance Inc., the online-lending platform known as SoFi, is planning an initial public offering that would value the company at $3.5 billion, people with knowledge of the matter said, almost triple what it received in a recent funding round., read more, blog

The company may raise $500 million this year, said the people, who asked not to be named because the information is private. The San Francisco-based startup plans to file its prospectus confidentially in the second quarter and proceed in the second half, the people said. That timeline may change depending on market conditions. click here, click here,read more

SoFi would follow online-lending pioneer LendingClub Corp. in tapping public markets. LendingClub was the first marketplace lender to hold an IPO, and now has a valuation of about $7.4 billion. SoFi, with 200 employees, started in 2011 as a peer-to-peer lending company for Stanford University students and graduates — with funds crowd-sourced from the school’s alumni. It has since expanded nationally with offerings including mortgages and personal loans. read more, click here, click here

SoFi is planning to work with Goldman Sachs Group Corp. and Morgan Stanley on the IPO, said the people, though Chief Executive Officer Michael Cagney hasn’t decided which firm will be the lead bank. Goldman Sachs has a history with the company, the people said: it helped SoFi to raise $200 million last month at a valuation of $1.3 billion, from investors including Third Point Ventures and Wellington Management Co.

A representative for SoFi declined to comment, as did a spokesman for Goldman Sachs. A representative for Morgan Stanley wasn’t immediately reachable for comment. read, read more, blog

So far, SoFi has generated more than $1.75 billion in loans, saving borrowers an average $11,783, according to its website.

Student loans are a ripe area for startups. The climbing cost of college has helped swell total student debt to almost $1.2 trillion, with the federal government holding or backing more than $1 trillion of that amount, the U.S. Consumer Financial Protection Bureau said last year. More than 90 percent of all loans for the last academic year were government backed, according to the College Board., read more, click, click here

In the year following the collapse of Lehman Brothers in September 2008, the unemployment rate in the US jumped from 6 per cent to 10 per cent. click here, click here

I don’t think we fully comprehend the ramifications of the environmental shift that’s going on in China for our resources-led economy.

It’s taken six years for the US jobless rate to return to those pre-GFC levels, but it’s finally there. click here, click here, click here

In the past year, some 3.3 million new jobs were added to the US economy, with the unemployment rate falling to 5.5 per cent in February. read more

That’s at the top of the range the US Federal Reserve considers to be full employment. read more, read more

It’s not quite a jobs nirvana yet, though.As in Australia, wage growth remains below inflation and the participation rate is below par—suggesting there is still a bit of slack in the labour market. more, more, more, read this, click here

There’s no doubt, however, that the US economy has turned a significant corner, with companies feeling confident enough now to expand and employ more staff—which means wages will eventually rise. click here, click here, click here

Indeed, WalMart, the world’s largest retailer, has announced it will be spending US$1 billion this year increasing wages of a large proportion of its US workforce. continue So will this latest jobs data trigger US rate risethat markets have been bracing for? click here The reaction of the financial markets on Friday night would suggest the chances of that are now heightened. read this The US dollar surged to an 11 year high against the euro. read this Our currency was crunched down to 77 US cents in the process—before the jobs data came out it had been trading at 78.4 US cents. read this, click here Wall Street shed 1.5 per cent because investors tend to leave the risky share market when interest rates are rising for safer havens like bonds and the currency. read this, more The question now is whether the Fed feels the wider economy is ready for higher interest rates. It’s kept them at near zero since December 2008. click here, continue

The Fed meets next week, so there will be a lot of focus on the language coming out of that meeting. Odds have already shortened for a rate rise in June. more

There have been big falls in the euro too. Is thatalso all about the prospect of higher interest rates in the US? read this

Not entirely. It’s also because the eurozone is going in the opposite direction to the United States. It’s aggressively easing monetary policy just as the US moves to start hiking its rates. more

On Monday European time, the European Central Bank will begin its own massive quantitative easing program. more

It will start buying private and government bonds at the rate of 60 billion euros a month in its bid to inject some extra growth and inflation into the eurozone economies. click here

That’s triggering sharp moves in currency markets, with the euro sinking to 11-year lows against the US dollar on Friday. click here

It fell through the psychologically important US$1.10 level on Thursday and after the strong US jobs report fell even further to US$1.08—about a 10 per cent decline since the start of the year. read this

The euro has also slid against our weaker dollar. It was buying around 71 euro cents on Monday morning, so perhaps a holiday in Europe this year makes more sense than the US. click here

After rising again last week, European stocks are now nearly 15 per cent higher since the start of the year. US shares, meanwhile, are treading water. continue

This could finally be Europe’s year, so long as it’s able to contain the Greek debt crisis. more

The higher US dollar is also putting further pressure on commodity prices. That’s not good news for Australia, is it? read, blog, more No it isn’t—because commodities are priced in US dollars, demand falls when the greenback rises, which pushes down the price further. read, more

On Friday the price of iron ore, our main export earner, fell to a new low of US$58.20 a tonne. At its peak in September 2011, iron ore was fetching US$181 a tonne—so we’ve seen a decline of 67 per cent. click, read Another factor weighing on the price of iron ore is China’s increased focus on cutting pollution. The Chinese government has threatened to shut down more steel mills this year, which in turn will further dampen demand and prices., clickChinese trade data out yesterday underlined the continuing hit to commodities. read blog

The value of Australian exports to China dropped by nearly 29 per cent in the first two months of this year, mainly due to the falling price of iron ore and coal. more

I don’t think we fully comprehend the ramifications of the environmental shift that’s going on in China for our resources-led economy. It certainly wasn’t modelled in the latest intergeneration report. blog, read

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The special purpose vehicle is a measure proposed by Defense Minister Jean-Yves Le Drian and backed by Economy and Industry Minister Emmanuel Macron. But the Finance Ministry seeks to trim the budget, a parliamentary source said. blog, click here, continue

Finance Minister Arun Jaitley will address board members of the Reserve Bank here on March 22 to inform them about steps taken in the Budget for 2015-16 to boost economic growth and contain fiscal deficit. my site, click here, blog

Jaitley, who presented the Budget on February 28, is likely to inform the RBI board about steps taken to contain fiscal deficit and may underline the need to lower interest rates to promote growth. click here, click here, continue

The meeting comes against the backdrop of RBI on March 4 announcing a 0.25 percentage point rate cut within days of unveiling of the Union Budget. read more, my site, my site, my site

Jaitley is likely to compliment the central bank for the rate cut. This was the second surprise rate cut outside regular policy review in .. click here, read more, read more

The RBI’s decision to cut its policy or repo rate to 7.5 per cent — after another cut from 8 per cent to 7.75 per cent on January 15 — is also expected to lower the cost of capital for companies and give a fillip to the investment climate. read more, read more, blog

Social Finance Inc., the online-lending platform known as SoFi, is planning an initial public offering that would value the company at $3.5 billion, people with knowledge of the matter said, almost triple what it received in a recent funding round., click here, blog

The company may raise $500 million this year, said the people, who asked not to be named because the information is private. The San Francisco-based startup plans to file its prospectus confidentially in the second quarter and proceed in the second half, the people said. That timeline may change depending on market conditions. click here, click here,blog

SoFi would follow online-lending pioneer LendingClub Corp. in tapping public markets. LendingClub was the first marketplace lender to hold an IPO, and now has a valuation of about $7.4 billion. SoFi, with 200 employees, started in 2011 as a peer-to-peer lending company for Stanford University students and graduates — with funds crowd-sourced from the school’s alumni. It has since expanded nationally with offerings including mortgages and personal loans. read more, read more, blog

SoFi is planning to work with Goldman Sachs Group Corp. and Morgan Stanley on the IPO, said the people, though Chief Executive Officer Michael Cagney hasn’t decided which firm will be the lead bank. Goldman Sachs has a history with the company, the people said: it helped SoFi to raise $200 million last month at a valuation of $1.3 billion, from investors including Third Point Ventures and Wellington Management Co.

A representative for SoFi declined to comment, as did a spokesman for Goldman Sachs. A representative for Morgan Stanley wasn’t immediately reachable for comment. read, read more, blog

Under the Jumpstart Our Business Startups Act, companies with less than $1 billion in revenue can file for an IPO with the U.S. Securities and Exchange Commission privately and work out the details with the SEC outside the public eye., click, read, read more

In the year following the collapse of Lehman Brothers in September 2008, the unemployment rate in the US jumped from 6 per cent to 10 per cent. click here, click here

I don’t think we fully comprehend the ramifications of the environmental shift that’s going on in China for our resources-led economy.

It’s taken six years for the US jobless rate to return to those pre-GFC levels, but it’s finally there. click here, click here, click here

In the past year, some 3.3 million new jobs were added to the US economy, with the unemployment rate falling to 5.5 per cent in February. read more

That’s at the top of the range the US Federal Reserve considers to be full employment. read more, read more

It’s not quite a jobs nirvana yet, though.As in Australia, wage growth remains below inflation and the participation rate is below par—suggesting there is still a bit of slack in the labour market. continue, more, read this, more, click here

There’s no doubt, however, that the US economy has turned a significant corner, with companies feeling confident enough now to expand and employ more staff—which means wages will eventually rise. continue, continue, read this

Indeed, WalMart, the world’s largest retailer, has announced it will be spending US$1 billion this year increasing wages of a large proportion of its US workforce. more So will this latest jobs data trigger US rate risethat markets have been bracing for? click here The reaction of the financial markets on Friday night would suggest the chances of that are now heightened. more The US dollar surged to an 11 year high against the euro. click here Our currency was crunched down to 77 US cents in the process—before the jobs data came out it had been trading at 78.4 US cents. click here, more Wall Street shed 1.5 per cent because investors tend to leave the risky share market when interest rates are rising for safer havens like bonds and the currency. click here, read this The question now is whether the Fed feels the wider economy is ready for higher interest rates. It’s kept them at near zero since December 2008. click here, more

The Fed meets next week, so there will be a lot of focus on the language coming out of that meeting. Odds have already shortened for a rate rise in June. read this

There have been big falls in the euro too. Is thatalso all about the prospect of higher interest rates in the US? click here

Not entirely. It’s also because the eurozone is going in the opposite direction to the United States. It’s aggressively easing monetary policy just as the US moves to start hiking its rates. click here

On Monday European time, the European Central Bank will begin its own massive quantitative easing program. click here

It will start buying private and government bonds at the rate of 60 billion euros a month in its bid to inject some extra growth and inflation into the eurozone economies. click here

That’s triggering sharp moves in currency markets, with the euro sinking to 11-year lows against the US dollar on Friday. more

It fell through the psychologically important US$1.10 level on Thursday and after the strong US jobs report fell even further to US$1.08—about a 10 per cent decline since the start of the year. continue

The euro has also slid against our weaker dollar. It was buying around 71 euro cents on Monday morning, so perhaps a holiday in Europe this year makes more sense than the US. continue

After rising again last week, European stocks are now nearly 15 per cent higher since the start of the year. US shares, meanwhile, are treading water. more

This could finally be Europe’s year, so long as it’s able to contain the Greek debt crisis. continue

The higher US dollar is also putting further pressure on commodity prices. That’s not good news for Australia, is it? blog, blog, click No it isn’t—because commodities are priced in US dollars, demand falls when the greenback rises, which pushes down the price further. click, click

On Friday the price of iron ore, our main export earner, fell to a new low of US$58.20 a tonne. At its peak in September 2011, iron ore was fetching US$181 a tonne—so we’ve seen a decline of 67 per cent. blog, blog Another factor weighing on the price of iron ore is China’s increased focus on cutting pollution. The Chinese government has threatened to shut down more steel mills this year, which in turn will further dampen demand and prices., clickChinese trade data out yesterday underlined the continuing hit to commodities. click blog

The value of Australian exports to China dropped by nearly 29 per cent in the first two months of this year, mainly due to the falling price of iron ore and coal. blog

A 45 per cent drop in coal imports to China, driven by the slowdown in China as well as its desire to switch to cleaner sources of fuel, is really hurting our Australian coal miners, however. more, more

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The Greek finance minister Yanis Varoufakis – who has become a media phenomenon since Greece’s radical government came to power – has been warned by his own prime minister to talk less and do more. read more, click here, read more

As Greece headed into a meeting with Eurogroup finance ministers on Monday, where it will argue to be allowed to raise more cash, the normally voluble Varoufakis has become uncharacteristically careful, also stepping back from social media in recent days. His last tweet on March 1 was “dedicated to muck-racking journalists”. click here, read, read

Dear Liz: I earned more than my wife, who died at age 57 after 18 years of marriage. When I turn 60, can I take survivor Social Security benefits based on her work record and then request my benefit at age 70?

With survivor benefits, starting early means a reduced check – your widower benefit at 60 would be 30% smaller than if you waited until your full retirement age – but you can switch to your own benefit later. And if you don’t work, starting survivor benefits at 60 is the better course, said economist Laurence Kotlikoff, coauthor of “Getting What’s Yours: The Secrets to Maxing Out Social Security.” more, click here, read this

Answer: Unless your cousin lives in one of the few states that have an inheritance tax, she won’t owe taxes on the bequest. read, read, read

On Friday, Deldin said the county is working on the posting for the $132,000-a-year job. He previously told the board that he hoped officials could interview candidates at the end of March and bring a recommendation from Executive Mark Hackel to the board by the end of April. blog, read, blog

There were about eight people with experience in the government sector. Of those, three candidates were interviewed. A finalist was selected and the county made an offer, Deldin told the board, but the two parties could not reach an agreement. click here, click here, click here Deldin told the board he thought the compensation being offered might have been inadequate. He said human resources did a quick search of finance director salaries of counties in metro Detroit and elsewhere in Michigan, such as Kent County, but it showed Macomb County was “on the high end. We’re not the highest, but we’re on the high end,” he told the board. click here, click here, click here, click here, click here

London’s financial-services companies are set to step up hiring after the number of new jobs jumped 17 percent in February from a year ago, boosted by reviving global equities markets, according to a recruitment firm. click here, click here, click here

Barclays Plc said on March 3, when reporting full-year earnings, that it expects income from the securities unit in the first quarter to be “well ahead” of the previous three months, citing “current trends and a strong banking pipeline.” click here, click here, click here, click here

At Barclays, variable compensation fell by 22 percent in 2014 from a year earlier. A total of 273 employees were paid between 1 million pounds and 2 million pounds in 2014, down from 363 people a year earlier, with more than half of those staff based in the U.S. and a third in the U.K., the bank said. click here, click here, click here, click here

Royal Bank of Scotland Group Plc, the government-owned British lender, cut variable compensation for 2014 by 26 percent after reporting its seventh annual loss. Lloyds Banking Group Plc cut its bonus pool by 3.6 percent from 2013. read more, read more, read more, read more

“City staff who were planning to move jobs but were waiting to hear about their 2014 bonus will undoubtedly look at new opportunities in the spring, especially if they don’t get the reward they think they deserve,” Adeyeri said. read more, read more, read more, read more

Goldman Sachs Group Inc. was sued for sexual discrimination by a research analyst who said the bank and its managers deprived her of a promotion, pay and bonuses. read more, read more, read more

Sonia Pereiro-Mendez, an executive director still employed by the bank, was given permission by a judge in London Friday to pursue some of her claims against the company in relation to a bonus for 2010. Judge Alison Lewzey dismissed other parts of the lawsuit over allegations that managers gave better opportunities to her male colleagues. read more, read more, read more

While some of the allegations predate the birth of her first child, Pereiro-Mendez said some claims related to the period after she took six months of maternity leave in 2012, followed by a month of vacation and two months of sick leave for treatment of a “pre-cancerous condition.” click here, click here, click here, click here

A spokesman for Goldman, Sebastian Howell, declined to comment on the London case. A lawyer for Pereiro-Mendez said she declined to comment on the case.

Pereiro-Mendez has been on sick leave since January 2014 and filed a grievance in April after an executive at the firm told her that managers “want to get rid of you,” according to the lawsuit. click here, click here, click here, click here

She joined the firm in Frankfurt in 2003 and moved to a position in London in 2005, according to her claim. She was promoted to executive director in 2009 and earned a base salary of 250,000 pounds in 2010 and 2011. That dropped to 192,000 pounds in 2012 and she didn’t receive bonuses in 2011 and 2013. read more, read more, blog

In 2001, I was doing well at my job at Cisco Systems, leading a group that helped companies we’d acquired adjust to life at the networking giant. But this was the beginning of an era of massive layoffs in Silicon Valley and across the U.S., and my employer was no different: I knew my job may be in danger. Yet by the summer of 2002, I was in Singapore, having survived a rough period at the company. I felt relieved and excited to have a new assignment, and a job.

Two years later, I was out—an abrupt end to what I thought would be a lifetime relationship with my employer. click here, click here, click here

What happened? I got talked into a bad assignment. With jobs at a premium, a colleague dazzled me with talk about how an international role would round out The person also planted the relocation idea with my manager and urged others to sell me on the opportunity. It seemed like a great idea at the time, but in retrospect, it was clear I hadn’t considered all the angles. Years later, I discovered that my helpful colleague had viewed me as a threat and wanted me out of the way. read this, click here, continue, read this

My career has survived despite the setback. I write this not to foment paranoia, but to point out that your colleagues may have an agenda that conflicts with yours. At the same time, even the strongest relationships in one location can erode quickly when you’re several time zones away. Here are a few simple strategies to consider should you find yourself in a similar situation. click, more, more, read

Question the source. Before making any major career moves based on someone’s advice, don’t assume you know their motives, nor that they have your best interests in mind. Weigh different opinions carefully, especially if they’re coming from someone who may benefit from your decision. click here, read, read

Expand your bench. When gathering information to make a decision on something as major as a relocation or new job, get advice from a variety of reliable sources. Mostly, determine whether the job fits your career path. Talk to your manager, human resources—essentially anyone with valuable perspective. Think about where you want your career to be two or three jobs after this one. Will the new position get you there? click here, click here, click here

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“Yanis, don’t overdo it,” the paper said. “Because the economy isn’t only about the science of handling the budget. It’s about being frugal with words too.” blog, click here, read more

As Greece headed into a meeting with Eurogroup finance ministers on Monday, where it will argue to be allowed to raise more cash, the normally voluble Varoufakis has become uncharacteristically careful, also stepping back from social media in recent days. His last tweet on March 1 was “dedicated to muck-racking journalists”. click, blog, read more

One way to save for retirement with plenty of flexibility is to fund a Roth IRA each year. You don’t get a tax deduction upfront, but you can withdraw your contributions at any time without penalty. If you don’t tap the money until you’re 59 1/2 or older, your contributions and your earnings are tax free if you’ve had the account at least five years. Another advantage of a Roth is that you’re not required to start distributions after age 701/2, as you are with other retirement accounts.

If you work, however, the math becomes less clear. When you start benefits early, your check is reduced $1 for every $2 you earn over a certain limit, which in 2015 is $15,720. That penalty disappears once you hit your full retirement age. read this, more, read this

Answer: Unless your cousin lives in one of the few states that have an inheritance tax, she won’t owe taxes on the bequest. read, read, more

Pete Provenzano stepped down as county finance director in August to become vice chancellor of administrative services at Oakland Community College. click here, blog, read

There were about eight people with experience in the government sector. Of those, three candidates were interviewed. A finalist was selected and the county made an offer, Deldin told the board, but the two parties could not reach an agreement. click here, click here, click here He told commissioners that while the county is competitive “finance directors are hard to recruit, especially in an environment where you’re constantly cutting, cutting, cutting.” click here, click here, click here, click here, click here

Firms are seen adding more staff this month and next after signing off on their headcount for 2015, while bankers are “likely to look at new opportunities” after receiving their bonus payments, Astbury Marsden said in an e-mailed statement. Firms in the City financial district created 3,010 jobs last month after an increase of 2,780 in January, it said. click here, click here, click here

Barclays Plc said on March 3, when reporting full-year earnings, that it expects income from the securities unit in the first quarter to be “well ahead” of the previous three months, citing “current trends and a strong banking pipeline.” click here, click here, click here, click here

At Barclays, variable compensation fell by 22 percent in 2014 from a year earlier. A total of 273 employees were paid between 1 million pounds and 2 million pounds in 2014, down from 363 people a year earlier, with more than half of those staff based in the U.S. and a third in the U.K., the bank said. click here, click here, click here, click here

Royal Bank of Scotland Group Plc, the government-owned British lender, cut variable compensation for 2014 by 26 percent after reporting its seventh annual loss. Lloyds Banking Group Plc cut its bonus pool by 3.6 percent from 2013. read more, read more, read more, read more

“City staff who were planning to move jobs but were waiting to hear about their 2014 bonus will undoubtedly look at new opportunities in the spring, especially if they don’t get the reward they think they deserve,” Adeyeri said. read more, read more, read more, read more

Goldman Sachs Group Inc. was sued for sexual discrimination by a research analyst who said the bank and its managers deprived her of a promotion, pay and bonuses. read more, read more, read more

Sonia Pereiro-Mendez, an executive director still employed by the bank, was given permission by a judge in London Friday to pursue some of her claims against the company in relation to a bonus for 2010. Judge Alison Lewzey dismissed other parts of the lawsuit over allegations that managers gave better opportunities to her male colleagues. read more, read more, read more

While some of the allegations predate the birth of her first child, Pereiro-Mendez said some claims related to the period after she took six months of maternity leave in 2012, followed by a month of vacation and two months of sick leave for treatment of a “pre-cancerous condition.” click here, click here, click here, click here

A spokesman for Goldman, Sebastian Howell, declined to comment on the London case. A lawyer for Pereiro-Mendez said she declined to comment on the case.

Pereiro-Mendez has been on sick leave since January 2014 and filed a grievance in April after an executive at the firm told her that managers “want to get rid of you,” according to the lawsuit. click here, click here, click here, click here

She joined the firm in Frankfurt in 2003 and moved to a position in London in 2005, according to her claim. She was promoted to executive director in 2009 and earned a base salary of 250,000 pounds in 2010 and 2011. That dropped to 192,000 pounds in 2012 and she didn’t receive bonuses in 2011 and 2013. click here, read more, blog

In 2001, I was doing well at my job at Cisco Systems, leading a group that helped companies we’d acquired adjust to life at the networking giant. But this was the beginning of an era of massive layoffs in Silicon Valley and across the U.S., and my employer was no different: I knew my job may be in danger. Yet by the summer of 2002, I was in Singapore, having survived a rough period at the company. I felt relieved and excited to have a new assignment, and a job.

Two years later, I was out—an abrupt end to what I thought would be a lifetime relationship with my employer. click, click, click

What happened? I got talked into a bad assignment. With jobs at a premium, a colleague dazzled me with talk about how an international role would round out The person also planted the relocation idea with my manager and urged others to sell me on the opportunity. It seemed like a great idea at the time, but in retrospect, it was clear I hadn’t considered all the angles. Years later, I discovered that my helpful colleague had viewed me as a threat and wanted me out of the way. continue, read this, more, read this

My career has survived despite the setback. I write this not to foment paranoia, but to point out that your colleagues may have an agenda that conflicts with yours. At the same time, even the strongest relationships in one location can erode quickly when you’re several time zones away. Here are a few simple strategies to consider should you find yourself in a similar situation. read, more, blog, click

Question the source. Before making any major career moves based on someone’s advice, don’t assume you know their motives, nor that they have your best interests in mind. Weigh different opinions carefully, especially if they’re coming from someone who may benefit from your decision. click here, blog, read

Expand your bench. When gathering information to make a decision on something as major as a relocation or new job, get advice from a variety of reliable sources. Mostly, determine whether the job fits your career path. Talk to your manager, human resources—essentially anyone with valuable perspective. Think about where you want your career to be two or three jobs after this one. Will the new position get you there? click here, click here, click here

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The Greek finance minister Yanis Varoufakis – who has become a media phenomenon since Greece’s radical government came to power – has been warned by his own prime minister to talk less and do more. blog, click here, click here

A cartoon in the liberal daily Kathimerini on Wednesday lampooned his omnipresence on TV, with a woman telling her husband to change channel every time Varoufakis popped up on the screen and her husband saying, “But I am!” blog, blog, blog

Survivor benefits are different from spousal benefits, which inflict some severe penalties for starting checks early. When you start spousal benefits before your own full retirement age, you’re locked into a permanently smaller check and you can’t later switch to your own benefit, even if it’s larger. The only way to preserve the ability to switch is to file a restricted application for just the spousal benefit at your own full retirement age (which is 66 for people born from 1943 to 1954 and gradually increases to age 67 for people born in 1955 and later). Then you preserve the right to change to your own benefit when it maxes out at age 70.

“Getting a reduced benefit for 10 years, from 60 to 70, is better than getting an unreduced benefit for fewer years,” Kotlikoff said. click here, more, continue

Questions may be sent to Liz Weston, 3940 Laurel Canyon, No. 238, Studio City, CA 91604, or by using the “Contact” form at asklizweston.com. Distributed by No More Red Inc. blog, more, click

After being unable to come to an agreement with a final candidate for the job, the county has hired a search firm specializing in executive recruitment in municipal government to develop a posting that officials hope will draw a qualified candidate. click here, continue, continue

Deldin told commissioners that nearly 50 people applied for the position when it was posted in September on the county’s website, through state organizations to which county finance directors belong and at universities. click here, click here, click here Deldin told the board he thought the compensation being offered might have been inadequate. He said human resources did a quick search of finance director salaries of counties in metro Detroit and elsewhere in Michigan, such as Kent County, but it showed Macomb County was “on the high end. We’re not the highest, but we’re on the high end,” he told the board. click here, click here, click here, click here, click here

London’s financial-services companies are set to step up hiring after the number of new jobs jumped 17 percent in February from a year ago, boosted by reviving global equities markets, according to a recruitment firm. click here, click here, click here

Barclays Plc said on March 3, when reporting full-year earnings, that it expects income from the securities unit in the first quarter to be “well ahead” of the previous three months, citing “current trends and a strong banking pipeline.” click here, click here, click here, click here

At Barclays, variable compensation fell by 22 percent in 2014 from a year earlier. A total of 273 employees were paid between 1 million pounds and 2 million pounds in 2014, down from 363 people a year earlier, with more than half of those staff based in the U.S. and a third in the U.K., the bank said. click here, click here, click here, click here

Royal Bank of Scotland Group Plc, the government-owned British lender, cut variable compensation for 2014 by 26 percent after reporting its seventh annual loss. Lloyds Banking Group Plc cut its bonus pool by 3.6 percent from 2013. read more, read more, read more, read more

“City staff who were planning to move jobs but were waiting to hear about their 2014 bonus will undoubtedly look at new opportunities in the spring, especially if they don’t get the reward they think they deserve,” Adeyeri said. read more, read more, read more, read more

Goldman Sachs Group Inc. was sued for sexual discrimination by a research analyst who said the bank and its managers deprived her of a promotion, pay and bonuses. read more, read more, read more

Sonia Pereiro-Mendez, an executive director still employed by the bank, was given permission by a judge in London Friday to pursue some of her claims against the company in relation to a bonus for 2010. Judge Alison Lewzey dismissed other parts of the lawsuit over allegations that managers gave better opportunities to her male colleagues. read more, read more, read more

While some of the allegations predate the birth of her first child, Pereiro-Mendez said some claims related to the period after she took six months of maternity leave in 2012, followed by a month of vacation and two months of sick leave for treatment of a “pre-cancerous condition.” click here, click here, click here, click here

A spokesman for Goldman, Sebastian Howell, declined to comment on the London case. A lawyer for Pereiro-Mendez said she declined to comment on the case.

Pereiro-Mendez has been on sick leave since January 2014 and filed a grievance in April after an executive at the firm told her that managers “want to get rid of you,” according to the lawsuit. click here, click here, click here, click here

She joined the firm in Frankfurt in 2003 and moved to a position in London in 2005, according to her claim. She was promoted to executive director in 2009 and earned a base salary of 250,000 pounds in 2010 and 2011. That dropped to 192,000 pounds in 2012 and she didn’t receive bonuses in 2011 and 2013. blog, click here, read more

In 2001, I was doing well at my job at Cisco Systems, leading a group that helped companies we’d acquired adjust to life at the networking giant. But this was the beginning of an era of massive layoffs in Silicon Valley and across the U.S., and my employer was no different: I knew my job may be in danger. Yet by the summer of 2002, I was in Singapore, having survived a rough period at the company. I felt relieved and excited to have a new assignment, and a job.

Two years later, I was out—an abrupt end to what I thought would be a lifetime relationship with my employer. read more, blog, read

What happened? I got talked into a bad assignment. With jobs at a premium, a colleague dazzled me with talk about how an international role would round out The person also planted the relocation idea with my manager and urged others to sell me on the opportunity. It seemed like a great idea at the time, but in retrospect, it was clear I hadn’t considered all the angles. Years later, I discovered that my helpful colleague had viewed me as a threat and wanted me out of the way. read this, read this, more, read this

Not long after settling into my new job, headquarters seemed to challenge most of my decisions. I wasn’t aware I had my own personal saboteur back in the U.S. who was busy planting seeds of doubt with my boss and others about my effectiveness. click, read, blog, read

Question the source. Before making any major career moves based on someone’s advice, don’t assume you know their motives, nor that they have your best interests in mind. Weigh different opinions carefully, especially if they’re coming from someone who may benefit from your decision. continue, continue, blog

Expand your bench. When gathering information to make a decision on something as major as a relocation or new job, get advice from a variety of reliable sources. Mostly, determine whether the job fits your career path. Talk to your manager, human resources—essentially anyone with valuable perspective. Think about where you want your career to be two or three jobs after this one. Will the new position get you there? click here, click here, click here

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Asked if he had pulled up his charismatic finance chief for giving too many media interviews, Tsipras said: “I have called for less words and more action from all members of the ministerial council (the official name of the cabinet), not just Mr Varoufakis.” blog, blog, read more

As Greece headed into a meeting with Eurogroup finance ministers on Monday, where it will argue to be allowed to raise more cash, the normally voluble Varoufakis has become uncharacteristically careful, also stepping back from social media in recent days. His last tweet on March 1 was “dedicated to muck-racking journalists”. click, click, click

Dear Liz: I earned more than my wife, who died at age 57 after 18 years of marriage. When I turn 60, can I take survivor Social Security benefits based on her work record and then request my benefit at age 70?

“Getting a reduced benefit for 10 years, from 60 to 70, is better than getting an unreduced benefit for fewer years,” Kotlikoff said. read this, continue, continue

Answer: Unless your cousin lives in one of the few states that have an inheritance tax, she won’t owe taxes on the bequest. read, more, click

On Friday, Deldin said the county is working on the posting for the $132,000-a-year job. He previously told the board that he hoped officials could interview candidates at the end of March and bring a recommendation from Executive Mark Hackel to the board by the end of April. continue, read, continue

Deldin said there is about a two-week lag after more data was collected about the county for a brochure to be distributed to candidates. The brochure, he said, would include geographical information about the state’s third-largest county for potential out-of-state candidates. click here, click here, click here Deldin told the board he thought the compensation being offered might have been inadequate. He said human resources did a quick search of finance director salaries of counties in metro Detroit and elsewhere in Michigan, such as Kent County, but it showed Macomb County was “on the high end. We’re not the highest, but we’re on the high end,” he told the board. click here, click here, click here, click here, click here

Firms are seen adding more staff this month and next after signing off on their headcount for 2015, while bankers are “likely to look at new opportunities” after receiving their bonus payments, Astbury Marsden said in an e-mailed statement. Firms in the City financial district created 3,010 jobs last month after an increase of 2,780 in January, it said. click here, click here, click here

A strong global equities market and positive economic noises emanating from the U.S. and the euro zone contributed to increased hiring activity in February,” Christopher Adeyeri, associate director at Astbury Marsden, said in the statement. “City hiring activity tends to slow through January and February as firms finalize their recruitment plans for 2015.” click here, click here, click here, click here

At Barclays, variable compensation fell by 22 percent in 2014 from a year earlier. A total of 273 employees were paid between 1 million pounds and 2 million pounds in 2014, down from 363 people a year earlier, with more than half of those staff based in the U.S. and a third in the U.K., the bank said. click here, click here, click here, click here

Royal Bank of Scotland Group Plc, the government-owned British lender, cut variable compensation for 2014 by 26 percent after reporting its seventh annual loss. Lloyds Banking Group Plc cut its bonus pool by 3.6 percent from 2013. read more, read more, read more, read more

“City staff who were planning to move jobs but were waiting to hear about their 2014 bonus will undoubtedly look at new opportunities in the spring, especially if they don’t get the reward they think they deserve,” Adeyeri said. read more, read more, read more, read more

Goldman Sachs Group Inc. was sued for sexual discrimination by a research analyst who said the bank and its managers deprived her of a promotion, pay and bonuses. read more, read more, read more

Sonia Pereiro-Mendez, an executive director still employed by the bank, was given permission by a judge in London Friday to pursue some of her claims against the company in relation to a bonus for 2010. Judge Alison Lewzey dismissed other parts of the lawsuit over allegations that managers gave better opportunities to her male colleagues. read more, read more, read more

Pereiro-Mendez, who made $700,000 in 2010 in salary and bonuses, said in the lawsuit that she was excluded from meetings and client dinners and “publicly undermined,” while male colleagues were paid more for similar work and one was promoted to managing director. In 2013, she said, she was seated at a desk previously occupied by an administrative assistant. click here, click here, click here, click here

A spokesman for Goldman, Sebastian Howell, declined to comment on the London case. A lawyer for Pereiro-Mendez said she declined to comment on the case.

Pereiro-Mendez has been on sick leave since January 2014 and filed a grievance in April after an executive at the firm told her that managers “want to get rid of you,” according to the lawsuit. click here, click here, click here, click here

She joined the firm in Frankfurt in 2003 and moved to a position in London in 2005, according to her claim. She was promoted to executive director in 2009 and earned a base salary of 250,000 pounds in 2010 and 2011. That dropped to 192,000 pounds in 2012 and she didn’t receive bonuses in 2011 and 2013. blog, click here, read more

In 2001, I was doing well at my job at Cisco Systems, leading a group that helped companies we’d acquired adjust to life at the networking giant. But this was the beginning of an era of massive layoffs in Silicon Valley and across the U.S., and my employer was no different: I knew my job may be in danger. Yet by the summer of 2002, I was in Singapore, having survived a rough period at the company. I felt relieved and excited to have a new assignment, and a job.

Two years later, I was out—an abrupt end to what I thought would be a lifetime relationship with my employer. click here, click, read

What happened? I got talked into a bad assignment. With jobs at a premium, a colleague dazzled me with talk about how an international role would “round out” my resume. The person also planted the relocation idea with my manager and urged others to sell me on the opportunity. It seemed like a great idea at the time, but in retrospect, it was clear I hadn’t considered all the angles. Years later, I discovered that my helpful colleague had viewed me as a threat and wanted me out of the way. click here, read this, click here, more

My career has survived despite the setback. I write this not to foment paranoia, but to point out that your colleagues may have an agenda that conflicts with yours. At the same time, even the strongest relationships in one location can erode quickly when you’re several time zones away. Here are a few simple strategies to consider should you find yourself in a similar situation. more, read, blog, read

Question the source. Before making any major career moves based on someone’s advice, don’t assume you know their motives, nor that they have your best interests in mind. Weigh different opinions carefully, especially if they’re coming from someone who may benefit from your decision. blog, blog, blog

Expand your bench. When gathering information to make a decision on something as major as a relocation or new job, get advice from a variety of reliable sources. Mostly, determine whether the job fits your career path. Talk to your manager, human resources—essentially anyone with valuable perspective. Think about where you want your career to be two or three jobs after this one. Will the new position get you there? click here, click here, click here

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Asked if he had pulled up his charismatic finance chief for giving too many media interviews, Tsipras said: “I have called for less words and more action from all members of the ministerial council (the official name of the cabinet), not just Mr Varoufakis.” blog, blog, blog

A cartoon in the liberal daily Kathimerini on Wednesday lampooned his omnipresence on TV, with a woman telling her husband to change channel every time Varoufakis popped up on the screen and her husband saying, “But I am!” click here, read, read more

Dear Liz: I earned more than my wife, who died at age 57 after 18 years of marriage. When I turn 60, can I take survivor Social Security benefits based on her work record and then request my benefit at age 70?

Online calculators can help you determine the best Social Security claiming strategy. AARP and T. Rowe Price are among the sites that provide free calculators, but they don’t factor in survivor benefits. Consider spending about $40 for one of the more sophisticated calculators, such as Kotlikoff’s MaximizeMySocialSecurity.com, that can include this continue, more, read this

Answer: Unless your cousin lives in one of the few states that have an inheritance tax, she won’t owe taxes on the bequest. click, click, click

After being unable to come to an agreement with a final candidate for the job, the county has hired a search firm specializing in executive recruitment in municipal government to develop a posting that officials hope will draw a qualified candidate. continue, click here, read

Deldin said there is about a two-week lag after more data was collected about the county for a brochure to be distributed to candidates. The brochure, he said, would include geographical information about the state’s third-largest county for potential out-of-state candidates. click here, click here, click here Deldin told the board he thought the compensation being offered might have been inadequate. He said human resources did a quick search of finance director salaries of counties in metro Detroit and elsewhere in Michigan, such as Kent County, but it showed Macomb County was “on the high end. We’re not the highest, but we’re on the high end,” he told the board. click here, click here, click here, click here, click here

Firms are seen adding more staff this month and next after signing off on their headcount for 2015, while bankers are “likely to look at new opportunities” after receiving their bonus payments, Astbury Marsden said in an e-mailed statement. Firms in the City financial district created 3,010 jobs last month after an increase of 2,780 in January, it said. click here, click here, click here

A strong global equities market and positive economic noises emanating from the U.S. and the euro zone contributed to increased hiring activity in February,” Christopher Adeyeri, associate director at Astbury Marsden, said in the statement. “City hiring activity tends to slow through January and February as firms finalize their recruitment plans for 2015.” click here, click here, click here, click here

At Barclays, variable compensation fell by 22 percent in 2014 from a year earlier. A total of 273 employees were paid between 1 million pounds and 2 million pounds in 2014, down from 363 people a year earlier, with more than half of those staff based in the U.S. and a third in the U.K., the bank said. click here, click here, click here, click here

Royal Bank of Scotland Group Plc, the government-owned British lender, cut variable compensation for 2014 by 26 percent after reporting its seventh annual loss. Lloyds Banking Group Plc cut its bonus pool by 3.6 percent from 2013. read more, read more, read more, read more

“City staff who were planning to move jobs but were waiting to hear about their 2014 bonus will undoubtedly look at new opportunities in the spring, especially if they don’t get the reward they think they deserve,” Adeyeri said. read more, read more, read more, read more

Goldman Sachs Group Inc. was sued for sexual discrimination by a research analyst who said the bank and its managers deprived her of a promotion, pay and bonuses. read more, read more, read more

Sonia Pereiro-Mendez, an executive director still employed by the bank, was given permission by a judge in London Friday to pursue some of her claims against the company in relation to a bonus for 2010. Judge Alison Lewzey dismissed other parts of the lawsuit over allegations that managers gave better opportunities to her male colleagues. read more, read more, read more

Pereiro-Mendez, who made $700,000 in 2010 in salary and bonuses, said in the lawsuit that she was excluded from meetings and client dinners and “publicly undermined,” while male colleagues were paid more for similar work and one was promoted to managing director. In 2013, she said, she was seated at a desk previously occupied by an administrative assistant. click here, click here, click here, click here

A spokesman for Goldman, Sebastian Howell, declined to comment on the London case. A lawyer for Pereiro-Mendez said she declined to comment on the case.

Pereiro-Mendez has been on sick leave since January 2014 and filed a grievance in April after an executive at the firm told her that managers “want to get rid of you,” according to the lawsuit. click here, click here, click here, click here

She joined the firm in Frankfurt in 2003 and moved to a position in London in 2005, according to her claim. She was promoted to executive director in 2009 and earned a base salary of 250,000 pounds in 2010 and 2011. That dropped to 192,000 pounds in 2012 and she didn’t receive bonuses in 2011 and 2013. read more, click here, read more

In 2001, I was doing well at my job at Cisco Systems, leading a group that helped companies we’d acquired adjust to life at the networking giant. But this was the beginning of an era of massive layoffs in Silicon Valley and across the U.S., and my employer was no different: I knew my job may be in danger. Yet by the summer of 2002, I was in Singapore, having survived a rough period at the company. I felt relieved and excited to have a new assignment, and a job.

Two years later, I was out—an abrupt end to what I thought would be a lifetime relationship with my employer. click here, blog, click

What happened? I got talked into a bad assignment. With jobs at a premium, a colleague dazzled me with talk about how an international role would “round out” my resume. The person also planted the relocation idea with my manager and urged others to sell me on the opportunity. It seemed like a great idea at the time, but in retrospect, it was clear I hadn’t considered all the angles. Years later, I discovered that my helpful colleague had viewed me as a threat and wanted me out of the way. read this, read this, read this, click here

Not long after settling into my new job, headquarters seemed to challenge most of my decisions. I wasn’t aware I had my own personal saboteur back in the U.S. who was busy planting seeds of doubt with my boss and others about my effectiveness. click, blog, read, blog

Question the source. Before making any major career moves based on someone’s advice, don’t assume you know their motives, nor that they have your best interests in mind. Weigh different opinions carefully, especially if they’re coming from someone who may benefit from your decision. read, read, click here

Expand your bench. When gathering information to make a decision on something as major as a relocation or new job, get advice from a variety of reliable sources. Mostly, determine whether the job fits your career path. Talk to your manager, human resources—essentially anyone with valuable perspective. Think about where you want your career to be two or three jobs after this one. Will the new position get you there? click here, click here, click here

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The Greek finance minister Yanis Varoufakis – who has become a media phenomenon since Greece’s radical government came to power – has been warned by his own prime minister to talk less and do more. read more, click here, click here

A cartoon in the liberal daily Kathimerini on Wednesday lampooned his omnipresence on TV, with a woman telling her husband to change channel every time Varoufakis popped up on the screen and her husband saying, “But I am!” read more, click here, blog

Survivor benefits are different from spousal benefits, which inflict some severe penalties for starting checks early. When you start spousal benefits before your own full retirement age, you’re locked into a permanently smaller check and you can’t later switch to your own benefit, even if it’s larger. The only way to preserve the ability to switch is to file a restricted application for just the spousal benefit at your own full retirement age (which is 66 for people born from 1943 to 1954 and gradually increases to age 67 for people born in 1955 and later). Then you preserve the right to change to your own benefit when it maxes out at age 70.

If you work, however, the math becomes less clear. When you start benefits early, your check is reduced $1 for every $2 you earn over a certain limit, which in 2015 is $15,720. That penalty disappears once you hit your full retirement age. more, more, continue

Questions may be sent to Liz Weston, 3940 Laurel Canyon, No. 238, Studio City, CA 91604, or by using the “Contact” form at asklizweston.com. Distributed by No More Red Inc. read, blog, click

Pete Provenzano stepped down as county finance director in August to become vice chancellor of administrative services at Oakland Community College. click here, read, read

Deldin said there is about a two-week lag after more data was collected about the county for a brochure to be distributed to candidates. The brochure, he said, would include geographical information about the state’s third-largest county for potential out-of-state candidates. click here, click here, click here Deldin told the board he thought the compensation being offered might have been inadequate. He said human resources did a quick search of finance director salaries of counties in metro Detroit and elsewhere in Michigan, such as Kent County, but it showed Macomb County was “on the high end. We’re not the highest, but we’re on the high end,” he told the board. click here, click here, click here, click here, click here

London’s financial-services companies are set to step up hiring after the number of new jobs jumped 17 percent in February from a year ago, boosted by reviving global equities markets, according to a recruitment firm. click here, click here, click here

A strong global equities market and positive economic noises emanating from the U.S. and the euro zone contributed to increased hiring activity in February,” Christopher Adeyeri, associate director at Astbury Marsden, said in the statement. “City hiring activity tends to slow through January and February as firms finalize their recruitment plans for 2015.” click here, click here, click here, click here

At Barclays, variable compensation fell by 22 percent in 2014 from a year earlier. A total of 273 employees were paid between 1 million pounds and 2 million pounds in 2014, down from 363 people a year earlier, with more than half of those staff based in the U.S. and a third in the U.K., the bank said. click here, click here, click here, click here

Royal Bank of Scotland Group Plc, the government-owned British lender, cut variable compensation for 2014 by 26 percent after reporting its seventh annual loss. Lloyds Banking Group Plc cut its bonus pool by 3.6 percent from 2013. read more, read more, read more, read more

“City staff who were planning to move jobs but were waiting to hear about their 2014 bonus will undoubtedly look at new opportunities in the spring, especially if they don’t get the reward they think they deserve,” Adeyeri said. read more, read more, read more, read more

Goldman Sachs Group Inc. was sued for sexual discrimination by a research analyst who said the bank and its managers deprived her of a promotion, pay and bonuses. read more, read more, read more

Sonia Pereiro-Mendez, an executive director still employed by the bank, was given permission by a judge in London Friday to pursue some of her claims against the company in relation to a bonus for 2010. Judge Alison Lewzey dismissed other parts of the lawsuit over allegations that managers gave better opportunities to her male colleagues. read more, read more, read more

Pereiro-Mendez, who made $700,000 in 2010 in salary and bonuses, said in the lawsuit that she was excluded from meetings and client dinners and “publicly undermined,” while male colleagues were paid more for similar work and one was promoted to managing director. In 2013, she said, she was seated at a desk previously occupied by an administrative assistant. click here, click here, click here, click here

In court papers responding to the suit, Goldman denied Pereiro-Mendez’s claims. It also said her performance in 2010 was ranked in the lowest 25 percent of employees at the firm and the lowest 10 percent in 2011 and 2013 and didn’t merit the rewards she is seeking. click here, click here, click here, click here

She joined the firm in Frankfurt in 2003 and moved to a position in London in 2005, according to her claim. She was promoted to executive director in 2009 and earned a base salary of 250,000 pounds in 2010 and 2011. That dropped to 192,000 pounds in 2012 and she didn’t receive bonuses in 2011 and 2013. blog, blog, read more

In 2001, I was doing well at my job at Cisco Systems, leading a group that helped companies we’d acquired adjust to life at the networking giant. But this was the beginning of an era of massive layoffs in Silicon Valley and across the U.S., and my employer was no different: I knew my job may be in danger. Yet by the summer of 2002, I was in Singapore, having survived a rough period at the company. I felt relieved and excited to have a new assignment, and a job.

Two years later, I was out—an abrupt end to what I thought would be a lifetime relationship with my employer. read more, click, blog

What happened? I got talked into a bad assignment. With jobs at a premium, a colleague dazzled me with talk about how an international role would “round out” my resume. The person also planted the relocation idea with my manager and urged others to sell me on the opportunity. It seemed like a great idea at the time, but in retrospect, it was clear I hadn’t considered all the angles. Years later, I discovered that my helpful colleague had viewed me as a threat and wanted me out of the way. click here, continue, read this, read this

Not long after settling into my new job, headquarters seemed to challenge most of my decisions. I wasn’t aware I had my own personal saboteur back in the U.S. who was busy planting seeds of doubt with my boss and others about my effectiveness. read, read, blog, blog

Question the source. Before making any major career moves based on someone’s advice, don’t assume you know their motives, nor that they have your best interests in mind. Weigh different opinions carefully, especially if they’re coming from someone who may benefit from your decision. click here, read, read

Expand your bench. When gathering information to make a decision on something as major as a relocation or new job, get advice from a variety of reliable sources. Mostly, determine whether the job fits your career path. Talk to your manager, human resources—essentially anyone with valuable perspective. Think about where you want your career to be two or three jobs after this one. Will the new position get you there? click here, click here, click here

Blog News

The only catch with the surgery was that his insurance would not pay for the $29,000 procedure. That’s when Harris decided to use his own retirement savings. click here

Harris’ doctor allowed him to pay directly for the medical service he needed, which is an approach known as “boutique medicine.” In some cases, it cuts the insurance company out of the medical equation. click here

School districts and local governments would need to turn to private insurers or start their own fund if the Legislature adopts a provision in Gov. Scott Walker’s budget that does away with a state-managed property insurance program. click here, click here

The fund, which covers $52 billion in property and is supported by more than $27 million in premiums annually, covers everything from street sweepers to salt sheds to dogs and horses for more than 970 municipalities and school districts across the state. Shutting it down would send many units of government to the private insurance market and almost certainly lead to higher costs, said city of Madison risk manager Eric Veum. click here, click here

The proposal orders a halt to the Local Government Property Insurance Fund, which insures property owned by schools, counties, cities and other entities. The program is managed by the state Office of the Commissioner of Insurance. Walker’s budget specifies that “no insurance coverage may be issued” under the program after July 1 and no existing coverage may be renewed after Dec. 15, though those dates may change. click here, click here

That was followed, however, by a year of record claims of more than $43.4 million, and a subsequent precipitous drop in the surplus. click here

Supporters of the approach said it gives patients more choices in their care and allows for more time with doctors. click here

“For lack of a better term, it has a certain snob appeal that I can go to the doctor who I want, not who the insurance company tells me I have to go to,” said Scott Blumenthal, an orthopedic surgeon at the Texas Back Institute. click here, click here

The OCI has one staff member assigned to manage the fund and contracts with the ASU Group in Madison as policy administrator, and Crawford and Company in Brookfield is the claim administrator. Starting March 1, ASU will take over both services.

click here,

click here

The league — with its membership of 190 cities and 386 villages — is considering insurance alternatives that include contracting with a commercial property insurance carrier, adding property coverage to what it already offers in liability and workers’ compensation insurance, or replicating the existing fund. It would prefer to go through OCI.

click here,

click here

Blog News

The only catch with the surgery was that his insurance would not pay for the $29,000 procedure. That’s when Harris decided to use his own retirement savings. click here

Harris’ doctor allowed him to pay directly for the medical service he needed, which is an approach known as “boutique medicine.” In some cases, it cuts the insurance company out of the medical equation. click here

School districts and local governments would need to turn to private insurers or start their own fund if the Legislature adopts a provision in Gov. Scott Walker’s budget that does away with a state-managed property insurance program. click here, click here

The fund, which covers $52 billion in property and is supported by more than $27 million in premiums annually, covers everything from street sweepers to salt sheds to dogs and horses for more than 970 municipalities and school districts across the state. Shutting it down would send many units of government to the private insurance market and almost certainly lead to higher costs, said city of Madison risk manager Eric Veum. click here, click here

The proposal orders a halt to the Local Government Property Insurance Fund, which insures property owned by schools, counties, cities and other entities. The program is managed by the state Office of the Commissioner of Insurance. Walker’s budget specifies that “no insurance coverage may be issued” under the program after July 1 and no existing coverage may be renewed after Dec. 15, though those dates may change. click here, click here

That was followed, however, by a year of record claims of more than $43.4 million, and a subsequent precipitous drop in the surplus. click here

Supporters of the approach said it gives patients more choices in their care and allows for more time with doctors. click here

“For lack of a better term, it has a certain snob appeal that I can go to the doctor who I want, not who the insurance company tells me I have to go to,” said Scott Blumenthal, an orthopedic surgeon at the Texas Back Institute. click here, click here

The OCI has one staff member assigned to manage the fund and contracts with the ASU Group in Madison as policy administrator, and Crawford and Company in Brookfield is the claim administrator. Starting March 1, ASU will take over both services.

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The league — with its membership of 190 cities and 386 villages — is considering insurance alternatives that include contracting with a commercial property insurance carrier, adding property coverage to what it already offers in liability and workers’ compensation insurance, or replicating the existing fund. It would prefer to go through OCI.

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Insurance

Senior Republicans in Congress are seeking major changes to the Children’s Health Insurance Program when the program’s money runs out in September. insurance, insurance, insurance, loans, loans

“I can’t live in my house,” O’Brien said. “The Town of Hempstead put up a big sign on it saying it was unfit for human occupancy…It’s got extensive damage” finance

O’Brien said when she tried to collect the insurance money she was denied for owning a pit bull. finance

“It really is a nightmare,” O’Brien said. “I would have never have imagined an insurance company would not pay because of a dog.” finance

She is suing Adirondack Insurance and her insurance broker, Sidakas Insurance Agency, because she believes Sidakas forged her signature on documents that said she did not own any pets. finance

“I never saw the document, I most absolutely never signed it,”O’Brien said. “I trusted Sidakas Agency. I’m not sure who did that at the agency or why they would have done it.” finance

Adirondack had no comment and a call to Sidakas was not returned. finance

O’Brien and her three children are living with friends as she continues to pay the mortgage on her home. finance

A result would be fewer children enrolled in the program. The proposal would also eliminate a requirement that states enroll children who are just above the poverty line in Medicaid. This would enable states to move them from Medicaid back to CHIP, where enrollments are often limited by budget caps. insurance, insurance, insurance

And the proposal would allow states to impose a 12-month waiting period (up from the current 90 days) before children who lose coverage from a parent’s insurance plan can be enrolled in CHIP. That is a very long time for a youngster to go without insurance and the regular care it provides. Many families in that situation will not be able to afford coverage on the new health care exchanges. insurance, insurance, insurance

By contrast, bills introduced in the House and Senate by Democrats would extend federal CHIP financing for the next four years and largely continue the program along current lines. That is the better approach. Governors should lean on Congress to extend this valuable children’s program without major changes. insurance, insurance, insurance, loans

Piedmont Fort Lauderdale

District Judge Charles Breyer of San Francisco asked a federal prosecutor whether the change would affect the sentencing of a Mendocino County pot grower, who pleaded guilty to charges requiring at least five years in prison. las vegas law firms | trial attorney | lawyer in las vegas

. While the Justice Department hasn’t spoken publicly on the meaning of the new law, saying only that it’s under review, the legislation – an amendment to a government spending bill – is loosely worded and subject to varying interpretations. When Graves was charged with illegal cultivation in 2012, the judge noted, federal law barred any evidence of medical use, but the new law might make that information relevant now. las vegas district attorney office

A day after President Obama signed the new law last week as part of a government spending bill, U.S. A day earlier, another judge in the same courthouse postponed the sentencing of a Humboldt County man who claimed his pot crop was all for medical use, in compliance with state law. In fact, Graves’ lawyer has said some of his client’s plants were for medical patients. criminal attorneys las vegas

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Federal prosecutors aren’t prepared to concede anything

Traffic Attorney

civil lawyers | civil rights lawyer. rancho cucamonga criminal attorney

It is important to understand that buzzed driving can still be very dangerous. dwi defense attorneys | dwi lawyer

During the 2013 holiday season about 2,575 arrests were made on California highways.

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If someone is a resident of Pleasanton, Livermore or Dublin call Nor Cal Bail Bonds to get picked up from a bar to make sure everyone is able to get home safe. They are willing to pick anyone up from any bar in the Tri-Valley area at no cost from December 22, 2014 and March 22, 2015. A DUI can be very costly and can even result in jail time. It is estimated that in California a first offense misdemeanor DUI can cost over $15,000 and result in a license suspension. Out of those arrests a majority made over the New Year’s weekend. A person may not feel drunk because of a built up tolerance to alcohol and that they are merely feel buzzed, but this can still result in a conviction, injury or even death. Getting charged with a DUI is a 100-percent avoidable as long as everyone is responsible when drinking and makes sure to take preventative measures. It can take several hours for alcohol to properly filter through the bloodstream. Someone might say that coffee, exercise or eating bread might sober you up quickly, but the only method that really works is time

Law Firms San Diego

While Padilla understands voters believed Prop 47 would help reduce overcrowded jails, he thinks lowering bail amounts would have been more effective in doing that.

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“(The law) essentially took a whole list of crimes and made them misdemeanors,” Padilla said. lawyer officeyer fees|attorneys in|white collar lawyer|vista dui lawyer|free criminal defense lawyers|federal defense lawyer|san diego dui penalties|find a attorney|top san diego law firms|best criminal defense lawyers|what to in san diego|free criminal lawyer|lawyer services|san diego auto accident attorneys|federal criminal defense attorneys|la dui lawyer|dwi houston lawyer|be

Padilla says his business has dropped about 20 percent. “Why not utilize an industry that does that at no cost to the tax payers?”

“Families get together and they ask where their loved one is. Of them, only 268 are out on bail, meaning bounty hunters will not be actively searching for the other more than 64,000 people. lawyer duiyer fees|attorneys in|white collar lawyer|vista dui lawyer|free criminal defense lawyers|federal defense lawyer|san diego dui penalties|find a attorney|top san diego law firms|best criminal defense lawyers|what to in san diego|free criminal lawyer|lawyer services|san diego auto accident attorneys|federal criminal defense attorneys|la dui lawyer|dwi houston lawyer|be

Thanksgiving is typically a busy day for bail bonds companies.

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“When people do miss court, and they’re not out on a bond, law enforcement does not have the ability or manpower to go out and apprehend these people,” Padilla said. He added it’s more than the risk of his business failing – but the system as a whole.

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In Sacramento County, there are currently about 65,000 outstanding warrants on offenders who failed to show up for their court date. They’re in jail, they talk about and say, ‘Hey, let’s put our money together,’ and they get together and sometimes come down and bail them out,” bail bondsman Greg Padilla said. wrongful death attorneys san diegoyer fees|attorneys in|white collar lawyer|vista dui lawyer|free criminal defense lawyers|federal defense lawyer|san diego dui penalties|find a attorney|top san diego law firms|best criminal defense lawyers|what to in san diego|free criminal lawyer|lawyer services|san diego auto accident attorneys|federal criminal defense attorneys|la dui lawyer|dwi houston lawyer|be

Padilla has been involved in the family business for the last 30 years, but ever since voters approved Prop 47, fewer people need to be bailed out.

Insurance

28 in John Knox Village, a Pompano Beach, Fla., retirement community. and Owens-Illinois Inc. cheap car insurance quotes That was important to him, to make his father proud. “It completely changed their lives,” his son said.

That also could possibly make obsolete or minimize the importance of underwriting criteria that insurers, whose major players include Northbrook-based Allstate and Redirected Bloomington, Ill.-based State Farm, have used for decades.

His son said, “He was following in my grandfather’s footsteps. Picton, formerly of Ottawa Hills, joined the firm in 1947. He offered his insights while participating in a Telematics Update panel discussion titled “Big Impact Disrupters Enter the Market” in Chicago.

Google and Apple also have other advantages, including being ubiquitous in the lives of many consumers and having been accepted as big data collectors.

“He was more of a relational guy. He decided against physics as a career; he didn’t want to be cooped up in a lab or classroom. He put his MIT Click here! education to use as he handled insurance matters for some of Toledo’s largest companies, Libbey-Owens-Ford Co. among them, his son said.

“Because of what Google and Apple can do, they are in the position to gather so much Online data, and that data may be more insightful than traditional variables,” such as credit scoring and motor vehicle records, said Sandeep Puri, a Deloitte consulting director and co-founder of D-rive, the firm’s auto insurance telematics business. Carrying on the tradition of that agency was important to him, and that he was providing a service that people needed, and he was trying to do the right thing for people.”

Mr. Picton was founding president of the Toledo Society for the Advancement of Chartered Property and Casualty Underwriters.

Mr. He liked working with people and helping people,” said Byron Jensen, a friend for more than 45 years, first through Christian Fellowship of Toledo, where Mr. Mr. read more

He and his wife, Bebe, became devout Christians in 1951. read more

They also raised questions such as: What happens when, say, Google has the data about losses to insurers? Does it charge insurers for it?

A service will be held Wednesday at John Knox Village, and a family gathering later. continue. Picton, 92, a partner and executive in a well-established Toledo insurance firm, died Nov. click here

Mr. The balance of power in driver-monitoring programs could shift to Google and Apple if smartphones catch on as usage-based insurance policies, Puri and other speakers at the event suggested.

He received a bachelor’s degree in physics See here in 1944 from the Massachusetts Institute of Technology. Picton became deeply involved with Christian Fellowship, a congregation on Monroe Street that formed the Front page year before. Arrangements are by Fred Hunter’s Funeral Service in Florida.

lRelated Tech-industry leaders see 2015 big for health care, wearables, mobile

The family suggests tributes to Church Hill Activities and Tutoring, CHAT, which works with young people in Richmond, Va.

Dean C. Picton also had been an officer in Christian Business Men’s Committee, an international group.

Mr. Picton was on the board of elders. He’d been an Army second lieutenant and served with the 7th Infantry Regiment of the Third Division, mostly in post-World War II Germany and Austria. Picton studied at the Aetna Casualty insurance school in Hartford, Conn., and spent time in Aetna’s risk analysis and insurance survey department in Chicago

The federal health care law targeted this population because it was the largest group among the uninsured – too wealthy to qualify for Medicaid, too poor to afford coverage. click here

Korobow is part of a growing swath of the American public that puts off seeking care from a medical professional because, even with health coverage, the cost of care is simply too expensive, according to two recent polls and a statement from the American Academy of Pediatrics. read…

The Gallup survey showed that Obamacare has begun to help its target group as a whole. blog

Whether the payment is for insurance or to the provider, it’s still too high for people like Korobow. Health care is extremely expensive in the U.S., and to keep from busting their budgets, companies that provide coverage to their employees and families increasingly are turning to plans that keep monthly premiums lower by increasing deductibles and charging more for out-of-pocket costs, said Linda Schwimmer, vice president of the New Jersey Health Care Quality Institute. blog

Just 33% of small- to mid-sized companies have a cyberliability policy, a survey released last month by insurance exchange company Marsh & McLennan Agency found. “But, despite a drop in the uninsured rate, a slightly higher percentage of Americans than in previous years report having put off medical treatment, suggesting that the Affordable Care Act has not immediately affected this measure.” read…

The insurance companies complained, but the courts said, “Too bad for you, these poor people thought they were covered, so you have to pay,” he said. blog

“If I have a cough,” he payday loans said, “I hope for the best, so to speak… You don’t want to go to the ER, because that could cost hundreds.” click here. As a part-time IT consultant with sporadic free-lance jobs, Korobow, who was covered through his wife’s insurance policy, says he might make around $20,000-$30,000 a year. But then he realized that his staff gets schematics from companies like GE and 3M in advance of products being released, and his sales staff carried these around on their laptops. Because their bodies are young and in development, children click here are high users of health care, and high-deductible policies may drive some families to skip visits or care they deem non-essential, it said. blog

Efforts to get costs under control have bipartisan support, he said, noting that publicity over astronomical bills for seemingly routine procedures provoke outrage. read…

However, among households making $30,000-$75,000 a year, 38 percent said cost forced them to forgo health care, Gallup said, up from 33 percent in 2013. “That’s how these hackers practice. blog

“I can’t afford the full price of medical insurance,” he said, “or go to the emergency room at $500 a shot.” more…

Cyber-risks that might cause a company to take out such a policy include processing credit card transactions, holding employee records, having a website that collects personal information from visitors or holding client or customer information. more…

In another, the Gallup Poll, which annually asks about health care cost and use every November, reported that the percentage of Americans who had insurance and chose not to go to a health care professional for a routine visit or a need because of cost hit an all-time high of 34 percent. blog

How much the policies cost depend on several factors including how large or small the company is, how much data it keeps and how good a job it has done of protecting it. They go after the little ones who aren’t really paying attention.” news

“Sometimes they tell me, ‘I’ve got a general liability policy, so if I’m liable then that should cover it.’ I tell them, ‘Well, GLC only covers bodily harm or property — stealing someone’s information isn’t covered,'” he said. Among companies hit by a cyberbreach, 76% say it’s equal to or greater than a natural disaster or fire in terms of disruption, a survey by the Ponemon Institute, an independent privacy and information security organization, found. read more

But it’s not because Korobow, who is “near 60” lacks health insurance coverage. read…

When insured patients go to physicians’ offices, pharmacies and hospitals, they have no access to a menu of price information. The percentage of middle-to-lower income Americans who said they skipped getting health care because of cost dropped, it said. blog

In a survey taken in the fall, The Commonwealth Fund, a private, independent health care research organization, found that about 40 percent of adults nationwide who had high-deductible private insurance plans reported delaying care because of the cost. read…

“I am procrastinating going to the doctor because of experience with back pain and that it will usually subside,” Pula said. click here

There was a time when the courts said that a company’s general liability coverage covered breaches, says Robert Sumner, a lawyer with Moore & Van Allen in Charleston, S.C., who specializes in data security. In households making more than $75,000 a year, it said, 28 percent reported skipping professional health care services due to cost. As time goes on, those needs become more critical, leading to higher costs and worse outcomes, Schwimmer said. blog

Recent surveys provide evidence that some Americans are taking Korobow’s approach to health care. That figure is up 65 percent over 2013, according to the survey. more…

Pula, 61, early this year fell on ice, he said, injuring his back, which already was sore from disc problems. click here

“I self-treat myself,” he says. news

Every stolen record costs on average $188 to make whole, a survey by the Ponemon Institute found. read more

“We’re seeing an average premium of about $2,500 per year,” but it can go up to as much as $10,000 a month depending on the company, said Harris Tsangaris, a vice president at NFP Property & Casualty, an insurance brokerage. Advances in pharmaceuticals and technology are expensive, and high use of health care, especially in the Northeast, requires numerous facilities and staff, she said. Today courts hold companies responsible for the fallout from a breach, as Target is finding. blog

The damage a cyberbreach can cause a company is starting to sink in, especially as the nation watches Sony Pictures Entertainment deal with a massive attack. blog

The problem is easy to identify but difficult to solve. Coughlin in October chaired a hearing over health care costs. Both are federally regulated and have strict data security compliance standards. news

It’s justifiable because health care is costly, but many factors go into the price of its goods and services, said Kerry McKean Kelly, vice president of communications and member services for the New Jersey Hospital Association. The owner ended up buying a cyberliability policy.

“Last year, many hoped that the opening of the government health care exchanges and the resulting increase in the number of Americans with health insurance would enable more people to seek medical treatment,” Gallup said. news

Smaller businesses are especially vulnerable, said Ness. news

He said his share of the doctor’s bill, plus the cost of a scan such as an x-ray or MRI and rehabilitation therapy makes the pain something he’ll have to accept. more…

Antivirus software powerless against Sony hackers

That still hasn’t hit many small business owners, says Neil Ness, who specializes in insuring cooperatives for Farmers Union Insurance in Bismark, N.D.

For now, coverage is most likely to be purchased by companies in financial services, 88%, and health care, 53%. news

“More and more of [the cost] is being put on the employee, and because of that, they’re reluctant to get the care they need because they’re concerned about the cost,” she said. In 2013 click here the number was just 16%. click here

More sacrifices will be necessary, said Wardell Sanders, president of the New Jersey Association of Health Plans.

“Those things shock the conscience,” he said. read…

In even wealthier households, the least likely to have Obamacare coverage, the increase was more pronounced. click here

“If click here one of those got lost, that’s millions of dollars in liability,” Hanson said. “How do they justify it?” click here

If his blood pressure reading is high, the Browns Mills man said he car insurance quotes will go online to read up about foods he should eat and items he should avoid to get that number down. read…

After paying $500 for a walking boot he had gotten for a recent foot fracture, Pula was reluctant to see how high health care bills click here would be for his back. “This is especially true in New Jersey, which has some of the highest health care costs in the nation.” read…

Take the owner of a small rubber gasket manufacturer that Dan Hanson at Marsh & McLennan Agency, a customized insurance and financial services firm, spoke with recently. news

Assemblyman Craig J. blog

That’s no longer true. Without click here knowing the full cost, consumers are “paralyzed,” she said, so they don’t take care of their health needs. click here

“There needs to be much greater focus on addressing the underlying health care cost drivers, such as the price of services, to ensure affordable health auto insurance quotes care for consumers,” he said. The pain re-emerged in recent weeks, but he is trying to wait it out as he has done in the past, he said. news

The national pediatrics organization this year issued a policy statement suggesting that the federal government may want to limit high-deductible health plans to adults because its members see families withholding important primary care for their children. car insurance quotes | payday loans online

Hospitals are doing their part to rein in costs by giving up an estimated $4.5 billion in Medicare reimbursements over Obamacare’s first payday loans 10 years, she added. blog

The owner at first said he didn’t have a lot of online exposure. “Unbelievable,” he said. blog

One place to attack is what Schwimmer calls “actionable transparency,” or simply letting consumers see the actual cost of health care goods and services and giving them options. The legislature is looking into a number of bills that could address the issue, he said, including measures that would give more price information to consumers or create an arbitration system to resolve billing disputes between insurance companies and health care providers. news

Rick Pula of Piscataway is another of the insured who auto insurance quotes said he considers cost before seeking professional help. They are skipping health care in spite of federal and state efforts, particularly through the Affordable Care Act, that have lowered the numbers of the uninsured

DUI Lawyers

It is that generic version of the drug that has steeply increased in price in recent weeks. San Diego DUI Attorney

While the drug comes in click injectable and intranasal forms, most police departments use a high-concentration formulation loans made by Amphastar Pharmaceuticals that can be sprayed into the nostril with an atomizer attachment. Chicago DUI Attorney

Faced with a crisis of painkiller and heroin addiction, law enforcement departments across the country began outfitting officers with naloxone kits to reverse overdoses encountered on patrol. In New York, the department pledged this spring to provide its roughly 19,500 patrol officers with the drug after a successful pilot program on Staten Island. Philadelphia DUI Lawyer

In April, Mr. Schneiderman’s read office began a $5 million program to reimburse police departments across the state for purchases of naloxone. Since then, Mr. Schneiderman said, the price paid by departments has surged. Los Angeles DUI Attorney

“A dose of naloxone that a participating police department had purchased for $14.90 in August is now selling for $34.50,” he wrote in the letter, which followed a report in The New York Times on Monday about similar increases around the country. A naloxone kit bought by another police department, which includes two doses and two atomizers, rose in price to $109 from $54, he added. Los Angeles Auto Accident Attorney

Robberies, considered the most telling indicator of street crime, are down 14 percent across New York City from last year. Grand larcenies — including the thefts of Apple devices that officials said drove an overall crime increase two years ago — are also down, by roughly 3 percent. click here

A kit with naloxone, which reverses the effects of a heroin overdose.Naloxone, a Drug to Stop Heroin Deaths, Is More Costly, the Police SayNOV. 30, 2014 Las Vegas DUI Attorney

“These increases threaten to curtail access to a drug just when it is needed most,” Mr. Schneiderman wrote to Jack Y. Zhang, the chief executive of Amphastar. “To date, Amphastar Pharmaceuticals has failed to provide any satisfactory explanation for dramatically increasing the price of a critical lifesaving drug.” San Diego DUI Lawyer

The company, which went public in June, did not respond to a request for comment. Company officials have said manufacturing costs have increased and that their price remains affordable. read more

A nasal-specific naloxone product has not been approved by the Food and Drug Administration. Amphastar’s formulation is used “off label,” in combination with an atomizer, to administer the drug through the nose. Houston DUI Lawyer

Amid a sudden and sharp increase read in the price of a heroin antidote medication, Attorney General Eric T. Schneiderman of New York on Monday wrote to the chief executive of a company that makes the drug, demanding an explanation for what he called an “unacceptable” rise. Denver DUI Attorney

Laurie Sperring at Rikers Island jail complex.Heroin Takes Over a House, and Mom, on New York’s Staten Island Phoenix DUI Attorney

Network

“Messages need to avoid a focus on selling insurance, as this was the most click common reason why millennials were not interested in working in the insurance industry,” the survey found. “Also, the messaging needs to combat the image of a boring industry.” read more

Belyea said the internship functions as a “test drive” for young potential hires, and limits potential employee turnover in the future.

While young agency employees can’t expect to start working from home right away, Emek said the possibility of read a more flexible work approach in the future makes a career in insurance more appealing. read more

Another way to make insurance agency work more attractive to young hires is by offering the opportunity to work remotely, said Sharon Emek, CEO and president of Working at Home Vintage blog Employees (WAHVE). read more

Naomi White, executive general manager Human Resources, Suncorp Commercial Insurance, who authored the paper, said the employment landscape in the insurance industry will fundamentally change over the next decade: “The relationship between employee and employer will look very different. Insurers and intermediaries, including brokers, will have to explore every avenue to source the best talent from pools of people with increasingly diverse ranges of preferences and desires.”

For agencies to ensure they’re hiring quality potential hires, a insurance temporary internship is an ideal solution, says John Belyea.

WAHVE is a consultancy that seeks to place qualified remote workers with independent agencies click here seeking new talent. read more

The bottom line, MarshBerry said, is that independent agencies need to start recruiting younger producers immediately. read more

“If they know they’re working for an agency that offers the opportunity to have a career with flexibility, you will definitely have more young hires,” Emek told Insurance Business. “It’s a good opportunity for young people to be mentored by aging workers with institutional knowledge, while having them stay engaged with the industry as long as possible.” read read more

In order to overcome that perception, hiring agencies must angle recruitment from simply selling insurance and instead focus on career development, problem solving and helping people. read more

Unfortunately, young graduates and millennial employees harbor an opinion of the insurance industry that is less than favorable. A joint survey from The Institutes and the Griffith Insurance Education Foundation revealed that young employees view insurance as “boring.” read more

Are you ready to lose a insurance quarter read of your staff? However unwelcome the thought may be, it’s a plight many insurance agencies will face as an industry employment crisis looms on the horizon.

“This data makes it clear that agencies cannot afford to continue to do business as usual when it comes to hiring new producers,” researchers wrote. “The most relevant agencies of the next decade will not only hire aggressively in read more the short-term, they will work to improve their retention in the long-term to ensure success.” read more

“We’ve been doing a lot of hiring, hiring into junior blog positions,” said Belyea, who serves as COO at Moore-McLean Insurance Group Ltd. “And we’ve found that hiring three summer interns each year is a great way to expose college kids to insurance, because getting good people is as important as getting clients these days.” click here

News

Putting additional money into their retirement plans wasn’t a good option payday loans online, because the plan structures required that they also contribute more to their employees’ accounts at the same time. That wasn’t the couple’s immediate priority. So Mr. Turner found a solution that specifically benefited them: a Section 79 insurance plan.

So many variables help determine the amount of life insurance you should carry. Do you want to fund your children’s college educations? How much money have you accumulated in savings, and how much of that are you willing to spend after one of you dies? Is there a home mortgage that you would like to pay off? If one of you dies, do you each earn enough to More.. live comfortably on your own without the other’s income? If not, how much additional monthly income would the survivor need?

The policy also will provide the couple with tax-free retirement income from a cash-value component of the policy that grows based on an index’s performance, usually the S&P 500. Once the couple retires, they’ll be able to make withdrawals against that cash value, which are tax-free because they are considered “loans” that are deducted against the death benefit.

These plans make use of an IRS tax code that allows companies to take tax deductions on insurance premiums they pay Reference on policies for See page employees cheap car insurance quotes. Those premiums count as part of an employee’s compensation, but they are assessed RSS Feed at a reduced tax rate.

Under Mr. Turner’s plan, the couple’s business purchased separate permanent life policies on the wife and the husband. The policies offered initial death benefits of $3 million and $5 million, respectively, and the premiums totaled $400,000 a year for five years. los angeles dui lawyer

If one of you were to die in the next few years, it would be devastating for the surviving family members. Having plenty of life insurance provides the survivors with choices that they might not otherwise have.

Unbeknown to Mr. Turner, they hatched an unusual plan to buy a second home in an income tax-free state, thinking it would exempt them from taxes. Mr. Turner had to explain that the laws regarding cross-state taxation meant View that the Continue… second home likely wouldn’t have the effect they assumed. sarasota dui lawyer

“Money is a tool, and the value that a financial professional provides is in knowing how to use those tools to provide clients with what Redirected they want, which in this case was reducing taxes,” Mr. Turner says. “It’s incumbent on financial professionals to find out what those hot Learn more button issues Redirected are for Official site their clients.”

“The additional insurance really just works for the owners, who were going to take that income anyway,” Mr. Turner says.

The Law

A federal judge could rule early next week whether to toss a sanctions case against a prominent Delaware law firm.

The case involves a bogus sunken treasure, specifically whether Bruce Silverstein – a Wilmington corporate attorney with Young More.. Conaway Stargatt & Taylor – and his firm should be sanctioned for bad faith litigation. read more

read more

Recent testimony provided the revelation that Silverstein and another attorney almost came to blows over the case.

David Paul Horan, a leading admiralty lawyer who represented a novice treasure hunter who claimed he found thousands of emeralds off Key West, testified that he and Silverstein clashed over how Homepage and when to reveal the discovery of modern epoxy on stones that some had speculated came from an ancient pirate ship. read more

Silverstein and his firm, Young Conaway Stargatt & Taylor, had represented the company of the treasure hunter Jay Miscovich.

In a Visit site 2012 email, Horan told Silverstein they had a duty to disclose the epoxy enhancement to the federal court where Horan had filed an action to get title to the emeralds. Silverstein urged Horan to hold off, according to court records.

“It did not become a physical altercation, but it was close,” Horan said of an argument he had in his office with Silverstein in 2012.

Now, after a five-day hearing, a federal judge is weighing whether to toss the sanctions case against Silverstein and Young Conaway for their involvement in the treasure hoax. read more

Lawyers for Silverstein and Young Conaway have asked U.S. District Judge James Lawrence King to dismiss the sanctions motion brought by a famous underwater treasure hunter that questioned the discovery of thousands of emeralds by Miscovich.

For more than a year, the salvage company, Motivation Inc. of Key West, has pushed to have Silverstein and Young Conaway punished for bad faith litigation and aiding a fraud on the court after it was revealed Miscovich purchased the emeralds from a jewelry store. http://sestlaw.com

Motivation is headed by Kim Fisher, whose family is famous for the discovery of the shipwreck of the Spanish galleon Atocha, worth hundreds of millions of dollars.

Because Miscovich’s treasure salvage company, JTR Enterprises LLC, had filed a federal admiralty action to be awarded title to the emeralds, the revelation that the emeralds had been planted in the Gulf of Mexico was deemed a fraud on the court. Horan initially represented JTR Enterprises in the admiralty action, but later withdrew following the fight with Silverstein.

Young Conaway was involved in the case because it represented JTR Enterprises, which held the secret location of the discovery site. According to legal documents, Young Conaway had a right to a percentage of the emeralds and anything salvaged from the site.

Scott graduated with a business degree View website from Troy University Dothan, and went into the banking View website industry in Dothan.

“I’ve enjoyed banking, but it’s just not what I wanted to do for the rest of my life. I Visit this site was in banking in Dothan for years, and then I decided to go back to school to get my law degree just like my dad,” Scott said. “You’re never too old to follow your dreams, and strike out on a different path.”

Thomas Smith, who graduated from Troy University Dothan with a business administration degree, also attended and earned a law degree from Faulkner University’s Jones School of Law.

“He’s (Scott) finishing law school sort of about the same age as I went to law school,” Thomas said.

Scott said he’s interned with several judges, including Michael Joiner, who sits on the Alabama Criminal Court of Appeals, and Kristi DuBose, a federal judge for the southern district of Alabama in Mobile.

After earning his law degree Scott said he hopes to practice in Alabama, but My company hasn’t ruled out going where the job takes him.

“I want to be in a courtroom. It’s just the atmosphere I enjoy most,” Scott said. “I really just want to be in a position that helps others. It could be anything from being a plaintiff’s attorney, to a criminal defense attorney to a prosecutor.”

Elliott, 27, graduated with a bachelor’s degree in accounting and a master’s in business and accounting from Troy University Dothan. He is in his second year of law school. read more

“My goal is to kind of branch out a little bit,” Elliott said. “I’ve kind of got an interest in practicing tax litigation.”

Elliott plans to look at possible law jobs in areas ranging from Birmingham to Atlanta or possibly even Tennessee, Missouri or Texas.

“I kind of want to get out and make my mark,” Elliott said. “I would like to really get out into a larger firm, and put in some time in getting partner at a place like that.”

But Elliott said also hopes to one day bring his law career back to his native Dothan.

“I’ve always wanted to be an attorney since I saw my dad go through law school as sort of a second career for him,” Elliott said. “I think I was 4 at the time and I watch him start over, build his firm from the ground up. We’re a close family and I hope to continue on what he’s got going there in Dothan.”

Elliott said watching his father attend and complete law View school and build his law firm has encouraged him in his own law career.

“I was able to watch people come to him with their problems, and see him Web site here make a difference in people’s lives. So I knew that’s what I wanted to do,” Elliott said. “People think lawyers just solve legal problems, but they really solve life problems.”

Thomas serves Click here as a partner in the Dothan law firm, Smith & McGhee, with specializations in criminal defense and family law, along with some estate planning and personal injury. His law partner, Shaun McGhee, also earned his law degree from Faulkner University’s Jones School of Law.

“I was born here and they were both born here also. I always, of course, hoped at least one of my sons would be an attorney,” Thomas said. “I was pleasantly surprised that two of them decided to become attorneys.”

Finance :: Wealth-Building Articles

To manage an effective risk management solution requires more than the calculation of VaR. Ultimately a successful risk management program requires the …. I guarantee your competition understands and so does your clients who are becoming more sophisticated each year. It’s important that you Go to website do too.

Why Real Estate is Your Best Investment By Eugene Vollucci

The Importance of Planning for Wealth Transfer By Phil Edney

Anyone that aspires to do well on the Internet Learn more needs to have a website that Here. is well designed and performs for them everyday. It is not possible to have …. something, then you have to get the experience by actually doing it. To succeed online, just follow this path, and you should reap the rewards of your efforts.

Help With Money Problems One of life’s more difficult challenges is managing one’s finances and when things get difficult you must find help …. served on a platter for one’s convenience. Fortunately, help with money problems is very much available no matter how big the financial problem is.

Real Solutions To Your Credit Woes By Kerry Brandmeier

Using Technical Analysis To Manage Risk And Home page Maintain Top Quartile Performance By Dwayne Strocen

In most states retirement accounts and retirement annuities are treated differently for Medicaid purposes. A retirement account will traditionally be …. consult with a representative of Krause Financial Services for further clarification on how annuities are treated for Medicaid purposes in your state.

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Financial Plan is Important So Why Many of us Don’t Have One? By Daniel Hanzelka

The Effective Website For Your Business – 3 Important Strategies By Felton Wildberger

Things To Look For When Dealing With a Financial Adviser By Mary Ree

Wealth-Building Articles

4 Mistakes To Avoid When Selling Your Home By Frank L. Defazio

We all love to dream about the future we want, but many of us do not like the idea of organizing our finances and preparing a financial plan. It seems …. because you think you don’t have enough you cheap car insurance should not have a plan. A Financial Plan will help you define the goals payday loans and dreams you want to accomplish.

Ensuring the financial security of your loved ones after you pass away Webpage means understanding your pension product and what it can do for you. With so many …. be paid to your nominated charity. The payment is tax free providing that you have no dependants; if you have, the payment will be subject to a 55% tax.

While every household has some fixed costs, like your mortgage payment and utilities, you do have control over other expenses like your grocery bill. …. in bulk, soaking them overnight. You also avoid all the sodium that comes with canned food items. So you’ll not only save money, you’ll also eat better.

What Happens to Your Pension When You Pass Away? By Royston Seeney

Financial Planners play a important role in helping their clientele preserve, invest, and consequently grow their capital. Typically they can help plan …. find out later that you’re comfortable working with and they will make the time to ensure that your financial concerns and questions are addressed.

Using Real Estate to Control Risks Real estate allows you to control your risk because you can actively participate in the decision-making process …. certificates, but you can stay warm and dry with a roof over your head. There will always be a need for housing. And midsized apartments fit the bill.

Great Tips To Help You Repair Your Credit By Ian Stover

You Can Improve Your Credit With These Easy Tips! By Kerry Spencer

Fortunately for some people credit does not always remain in a fixed state. Credit can be built or lost depending on the actions that one takes. Reading …. yourself on how to do so is of great importance, and by using what you have learned in this article, you will be able to get back on the path to good credit.

Medicaid’s Treatment of IRA Annuities By Dale Krause

Throughout the course of your life, you will find some things to be incredibly easy, one of which is getting into debt. Whether you have student loans …. understanding the three credit reporting agencies as well. Follow these tips and you will be on your way to understanding and controlling your credit in no time.

Selling your home in the post-housing crash world can be more challenging than in previous times and More the home seller should do as much as possible to avoid …. make sense to withdrawal the property and relist since there can be a stigma attached to a properties that sit on the market for long periods of time.

Though it is n’t required by law, renter’s insurance policy is important because it Clicking here protects your properties–furniture, clothes, gadgets–in case of disasters …. for them. You can consider “medical payment to others” policy, credit card , bank forgery coverage, and “property of others” coverage.

Saving Money at the Grocery Store Can Help You Pay down Debt By Arthur Vitale

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Throughout the course of your life, you will find some things to be incredibly easy, one of which is getting into debt. Whether you have student loans …. should be repaired immediately, and if you Visit site remember the information that was provided in this article, then you will be on the right path to credit repair.

Do I Need Renters Insurance? By Ilidio Cardoso

Each year in Canada, billions of dollars in assets are transferred at death. If you plan to transfer all or some of your assets to your heirs, you want …. meet with your advisor to discuss your wishes for wealth transfer. He or she will be able to help ensure that your assets are distributed as you wish.

Insurance

Clients can now compare online auto insurance quotes for free. The price free comparison is very advantageous as customers can find information online and from reliable agencies.

Cheap is an online provider of life, home, health, and auto insurance quotes. This website is http://chepastacafe.com unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different Source online insurance carriers.

Clients who need http://debbierobblaw.com vehicle should first review RSS Feed their options. They can http://gerardilawfirm.com find affordable coverage simply by comparing online car insurance quotes. But before comparing rates, customers should read the newly released blog post.

The internet provides a better way Read more… of comparing quotes: online and on a single website. It is now possible to view numerous offers from multiple agencies on a single View website.

Internet Marketing Company explains in the latest article that comparing quotes provides important benefits, but http://livleebakery.com it also has several limitations. In order to get accurate price information, clients will have to complete a single quote form.

It is no longer necessary to call an insurance agency and ask for rates. Calling too many providers is tiring and can be expensive.

Insurance is an online provider of life, home, health, and auto insurance quotes. This website is unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different online insurance carriers. In this way, clients have access to offers from multiple carriers all in one place: this website. On this site, customers have access to quotes for insurance plans from various agencies, such URL as local or nationwide agencies, brand names insurance companies, etc.

The search engine will use that information to search for plans that fit the driver’s preferences. A policy can provide liability, comprehensive or collision coverage. Client should always compare rates to find the best prices.

The Law

A federal judge could rule early next week whether to toss a sanctions case against a prominent Delaware law firm.

The case involves a bogus sunken treasure, specifically whether Bruce Silverstein – a Wilmington corporate attorney with Young Conaway Stargatt & Taylor – and his firm should be sanctioned for bad faith litigation. read more

read more

Recent testimony provided the revelation that Silverstein and another attorney almost came to blows over the case.

David Paul Horan, a leading admiralty lawyer who represented a novice treasure hunter who claimed he found thousands of emeralds off Key West, testified that he and Silverstein clashed over how and when to reveal the discovery of modern epoxy on stones that some had speculated came from an ancient pirate ship. read more

Silverstein and his firm, Young Conaway Stargatt & Taylor, had represented the company of the treasure hunter Jay Miscovich.

In a 2012 email, Horan told Silverstein they had a duty to disclose the epoxy enhancement to the federal court where Horan had filed an action to get title to the emeralds. Silverstein urged Horan to hold off, according to court records.

“It did not become a physical altercation, but it was close,” Horan said of an argument he had in his office with Silverstein in 2012.

Now, after a five-day hearing, a federal judge is weighing whether to toss the sanctions case against Silverstein and Young Conaway for their involvement in the treasure hoax. read more

Lawyers for Silverstein and Young Conaway have asked U.S. District Judge James Lawrence King to dismiss the sanctions motion brought by a famous underwater treasure hunter that questioned the discovery of thousands of emeralds by Miscovich.

For more than a year, the salvage company, Motivation Inc. of Key West, has pushed to have Silverstein and Young Conaway punished for bad faith litigation and aiding a fraud on the court after it was revealed Miscovich purchased the emeralds from a jewelry store. http://mojaveblueapts.com

Motivation is headed by Kim Fisher, whose family is Twitter famous for the discovery of the shipwreck of the Spanish galleon Atocha, worth hundreds of millions of dollars.

Because Miscovich’s treasure salvage company, JTR Enterprises LLC, had filed a federal admiralty action to be awarded title to the emeralds, the revelation that the emeralds had been planted in the Gulf of Mexico was deemed a fraud on the court. Horan initially represented JTR Enterprises in the admiralty action, but later withdrew following the fight with Silverstein.

Young Conaway was involved in the case because it represented JTR Enterprises, which held the secret location of the discovery site. According to legal documents, Young Conaway had a right to a percentage of the emeralds and anything salvaged from the web page site.

Scott graduated with a business degree from Troy University Dothan, and went into the banking industry in Dothan.

“I’ve enjoyed banking, but it’s just not what I wanted to do for the rest of my life. I was in banking in Dothan for years, and then I decided to go back to school to get my law degree just like my dad,” Scott said. “You’re never too old to follow your dreams, and strike out on a different path.”

Thomas Smith, who graduated from Troy University Dothan with a business administration degree, also attended and earned a law degree from Faulkner University’s Jones School of Law.

“He’s (Scott) finishing law school sort of about the same age as I went to law school,” Thomas said.

Scott said he’s interned with several judges, including Michael Joiner, who sits on the Alabama Criminal Court of Appeals, and Kristi DuBose, a federal judge for the southern district of Alabama in Mobile.

After earning his law degree Scott said he hopes to practice in Alabama, but hasn’t ruled out going where the job takes him.

“I want to be in a courtroom. It’s just the atmosphere I enjoy most,” Scott said. “I really just want to be in a position that helps others. It could be anything from being a plaintiff’s attorney, to a criminal defense attorney to a prosecutor.”

Elliott, 27, graduated with a bachelor’s degree in accounting and a View master’s in business and accounting from Troy University Dothan. He is in his second year of law school. read more

“My goal is to kind of branch out a little bit,” Elliott said. “I’ve kind of got an interest in practicing tax litigation.”

Elliott plans to look at possible law jobs in areas ranging from Birmingham to Atlanta or possibly even Tennessee, Missouri or Texas.

“I kind of want to get out and make my mark,” Elliott said. “I would like to really get out into a larger firm, and put in some time in getting partner at a place like that.”

But Elliott said also hopes to one day bring his law career back to his native Dothan.

“I’ve always wanted to be an attorney since I saw my dad go through law school as sort of a second career for him,” Elliott said. “I think I was 4 at the time and I watch him start over, build his firm from the ground up. We’re a close family and I hope to Quotes continue on what he’s got yahoo going there in Dothan.”

Elliott said watching his father attend and complete law school and build his law firm has encouraged him in his own law Visit career.

“I was able to watch people come to him with their problems, and see him make a difference in people’s lives. So I knew that’s what I wanted to Visit this page do,” Elliott said. “People think lawyers just solve legal problems, but they really solve Web link here life problems.”

Thomas serves as a partner in the Dothan law firm, Smith & McGhee, with specializations in criminal defense and family law, along with some estate planning and personal injury. His law partner, Shaun McGhee, also earned his law degree from Faulkner University’s Jones School of Law.

“I was born here and they were both born here also. I always, of course, hoped at least one Visit our website of my sons would be an attorney,” Thomas said. “I was pleasantly surprised that two of them decided to become wikipedia attorneys.”

Finance :: Insurance Software Solutions – Build or Buy

SOFTWARE MATURITY

Build: Like a fine wine, good software often needs time to age, or rather mature. if your programmers have fast fingers, your data can be captured and coded quickly, however no matter how speedy your developers are, there is no rushing quality. Software developed in-house is especially taxing, on both the builders and the testers, as there are always ‘bugs’ to squash and faults to find. It can takes years of development and maintenance–not to mention a quite a lot time and money before the system meets the requirements that guided its development and design, works as expected, and can be implemented with those same characteristics. Even though a custom-built application may seem to offer

control and flexibility, build-your-own-software can lock your company into a less than

optimal solution.

Buy: Solution vendors have the benefit of having invested their time, money and resources into perfecting solid software that they can tailor to fit your needs. Gone are the days when one dimensional insurance portals are packaged and sold, with rigid tactical application for submission and limited data capture. Now solutions Visit site are being honed to fit the growing demands and ever changing imperatives of business. Vendors can now focus on increasing acceleration, value, and innovation, so when a business chooses their system, the software arrives with already proven performance quality.

With the advances in technology and the constant fluctuations in identifying risk factors, now more than ever, it is important to have a system that can deliver instant access, along with the ability to respond and manage your exposure. Yet when it comes to modernizing your operation, to maximize efficiencies of business processes, businesses often face the choice of whether to build or buy the software. Like any careful insurers, it is imperative to weigh the factors and consequences carefully. After all, the repercussions of a software choice can be long lasting and affect all your business systems and processes.

In conclusion, ultimately, there will be additional underlying aspects, many unique to your business’s current and expected demands which should also be explored, but in summary, as indicated by recent analyst and industry reports, organizations who opt to build often fall short of their expectations when choosing to build their own software, versus buying a system.

OTHER FACTORS

Build: The reality with most businesses, particularly insurers, is anything can happen. Budgets can change based on economical factors, and so can moods, minds, and development criteria. There are no guarantees that could payday loans bridge the gap between an in house system’s capabilities and the actual implemented system, which those who have encountered this dilemma know, can often become exceedingly significant. There are a myriad of other factors that businesses must consider when building their own solution, like: Do our business and IT Strategies align ? Is our solution adaptable, responsive, and future-proof? Is our design payday loans scalable ? Can it cater to the businesses growth and expansion into new markets ? What if the developer(s)who build our in-house system are heading out the door? What resources should we be willing to sacrifice if we maximize our budget but encounter unexpected issues ? How do we accommodate for an unsuccessful implementation ? When and how can we measure growth, return on investment (ROI) and true speed-to-market ?

Buy: Purchasing an insurance solution suit or policy administration software is often more cost efficient, as it eliminated many of the costs involved in architecture design and development, however there are still licensing fees subscription costs, particularly with Software-as-a-Service (SaaS) model. Subscription or pay-as-you-go models can minimize risk, as a business can roll More in applications based on need. Vendors often include a setup or installation fee, which in some cases may also include a maintenance package or service plan. Additionally, when opting to buy a solution, you want to ensure that expansion costs are considered -as adaptability of the product is a key advantage especially for expanding distribution channels and/or leveraging new market opportunities. Other typical costs to factor in include on-site requirements gathering and training, as well as any travel expenses which are often involved.

DEVELOPMENT TIME

Build: Business need to factor in the multitude of required meetings necessary to plan, discuss, design, execute proof-of-concept, and maintain continual development. Requirements gathering, writing and testing the application code, user training and acceptance, hardware/software coordination and testing systems, comprises only a portion of the time necessary to External link developing a customized system. Each of these stages can take months or even years before you’re ready for launch, which can be further complicated by system defects, flaws, and revisions.

Buy: SaaS solutions, particularly those with a scalable suite of insurance processing applications that handle core functionality, have measurable benefits, including faster time to value, minimized operational costs, and simplified integration. Any software investment should yield positive results, whether they address complex system challenges by streamlining operations, reduce costs, leverage new market opportunities, or as with some vendors, a unique combination of all. Proven software solutions should have an agile development methodology, which would allow for a continuously enhanced platform, and ensure that custom feature requests can be folded into the base application. A system with true multi-tenant architecture will enable every client to benefit from system enhancements. Being adept at implementations, especially those that are scaled to fit any size insurer, as well as having exceptional experience in software development, maintenance and systems integration, is also a key factor when opting to buy. Other compelling items to consider when trying to decide whether to build or buy include:

o Vendor solutions for policy administration applications have the capability to leverage reusable components.

o Purchased software can often be easier/quicker integration with third-party technologies.

o Reliability has been More.. tested and proven.

o Purchased software should be scalable, future-proof, and able to handle fluctuations in user demand, providing the ability to grow with your business.

Buy: Speed-to-Market is a term that has been abundantly utilized, as insurers recognize the importance of rapid response, fast turnaround and the downside of development time. When you buy an insurance software solution, true speed-to-market is easier to achieve with a competent product that can be ready to launch, and it only requires an investment in time for user training. Proven vendors often have honed their experience in an effort to provide the most effective and efficient development and testing View publisher site methodologies, thereby allowing businesses to focus on adapting to a new system. There are however, considerable challenges too, as vendors may tout a rapid deployment, however if there are complications in a build, or they fail to adhere to company’s business requirements, inevitable delays can turn costly. Of course, this situation could be prevented/controlled with a careful management process.

SOFTWARE MAINTENANCE

Build: Anyone who has an iPhone or who has ever logged into Windows is probably familiar with the message indicating software updates are available and to install. Regular release updates not only improve functionality, but also to eliminate flaws. However, when software is developed in-house, there are added costs involved for development, testing and design, especially in order to keep software View site… from becoming dated or obsolete. In order for a system to remain innovative, it must remain current and effective. As most Legacy system users learned (the hard way) if your system is not future-proof, than technology will continue to evolve, regardless of whether your business can.

Buy: When you purchase policy administration software, updates and maintenance are the responsibility of the vendor, as opposed to in-house staff. While this is an often overlooked benefit, it can be cheap car insurance a key factor, as having the ability to stay modern is a critical element for business. Additionally, SaaS solutions also have the added advantage of rolling out new releases, quickly and efficiently without the need to train additional resources or invest time into programming and development.

UPFRONT COSTS

Build: It can be difficult when factoring in upfront costs, to build a custom insurance software solution, because initial investment in hardware as well as software may be required. Additionally specific software development tools, training and staff time must also be included in estimates. A common perception when developing in-house software is that users will not expect as much from it as a purchased software package, that they will be more forgiving of its shortcomings. But in reality, users demand as much, if not more, from software developed in-house. Not only that, users often think that because the developers are in-house and accessible, they can request customizations and changes whenever they want, which is obviously not an efficient way to manage expectations. A policy administration solution can be particularly tough to estimate the total investment; you have to include the cost of the resources involved in environment & software development, including :

o Requirements gathering

o Infrastructure construction

o Analyzing

o Designing

o Implementation

o Testing

o Training users

o Ongoing maintenance/enhancements/updates of the software

Many businesses assume that building their own in-house software is an easier route; especially considering that it would be customized for their organization. Since it is developed and maintained by in-house staff, you have total control over the software, changes, updates and overall design. However they often overlook the fact that a tailored solution could result in increased costs, including the addition or enlargement of IT teams and of front-end time Link here… by employees. Not to mention ongoing maintenance of the policy administration system, unsupported by an external company, as well as the costs for system developers necessary to help construct and implement such infrastructure. Businesses are often misled on the upfront expenses of an in-house build, as it is nearly impossible to estimate all of the modifications that are sometimes overlooked during the initial design.

In an effort to assist insurers with the decision about whether building or buying an insurance software solution is best for your company, we’ve complied a small comparative to consider regarding the differences between “buy” and “build.”

Like many business marketplaces, the P & C industry is an extremely competitive one. Companies that want to be successful need to develop, grow, and manage their business effectively- yet to successfully accomplish this, today’s insurers need to recognize industry trends and optimize them. However, in today’s uncertain marketplace and rapidly advancing technology environment, innovation can be a risk. And while insurers are familiar with risks- most have built their business around identifying, analyzing, managing, and insulating against them, deciding on which trends to follow and what opportunities to leverage, is a critical decision.

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Investors tap into ‘Indian summer’ for non-bank lending funds By Charlotte Rivington

As pressure grows on banks to restart lending activities, buyers are warning the window of opportunity on private lending funds may soon be closing, writes …. property owned by Tesco may be a similar credit risk but offer a much higher yield: “You could safely say at least twice that rate,” he noted.

Deep Blue Publications Group – Money and Investment Tips By Cyralle Munich

Possessing basic money-handling and income-generating skills is important, especially with the economic crunch affecting big and small countries all over …. treating people compassionately and returning the fruits of your ventures back to your business and the people who keep the business growing Learn more and sustainable.

Are You Fearful of Your Finances in Your Retirement Visit site Years? By Kim Kirmmse Toth

Sadly, most women will answer ‘yes’. That said, you have more control over your financial situation than you probably think. And if you don’ …. happy and financially safe retirement years. We live longer than men so we need to plan well. To our long lived, financially read free retirement years!

Understanding Dutch Payroll By Douglas Mcgregor

EAFS consulting BV click are a Dutch Payroll consultancy for contractors. Each country has its own unique auto insurance quotes spin on payroll, social cheap auto insurance security and income taxation …. Social Security and Tax are deducted at source, calculated on the tax card basis, submitted for each individual at the beginning of every fiscal year.

What Makes Go Auto Insurance Different and Better By Armando Hernandez

Finding an auto insurance company that actually suits everybody’s needs can be quite tricky. You can always find agents indeed, but a captive agent tends …. customers, the company has less control over the claims Check us out! because there are no restrictions due to other types of coverage policies included in any bundle.

Hedge funds eye a profit from European bank research retreat By Charlotte Rivington

As Europe’s big investment banks and brokerages scale back their research efforts, particularly towards small and mid-sized companies, some hedge funds …. Sternbach said. “Particularly Visit the fundamental bottom-up stock pickers with a focus on meeting management teams and undertaking their own research.”

Car Insurance Estimate – Why Each Is Different By Armando Hernandez

Everybody pays a different amount of premium fee despite the fact that their cars are probably exactly the same; the brand, model, and year can be the …. of calculation and the actual insurance companies’. Each company basically has its own car insurance calculator with each variable has different values.

The Use Of Non-Surgical Procedures To Reverse Ageing Caused By Stress By Chris Watkins

Stress is a feeling that everyone experiences from time to time, and this is because we are all faced with certain tasks and goals that need to be achieved …. physically. This as a result influences how people feel about themselves, and ultimately causes an individual to take drastic measures to avoid ageing.

Explore Strategies Web site here and Signals for Trading Stocks By Perry Musigdilok

It is fascinating occasionally to observe stock traders attempting to make a profit without the benefit of a trading strategy that is good from trading …. trading signals companies will continue to prosper. It is important for the inventory trader to weigh the pros and cons of subscribing to such companies.

Buying Gold Vs Savings Account By Syed Shabbeer Altaf

There are many different ways that you can choose to invest in your future. The most popular method that people use is by putting money into savings accounts …. to be able to get your return if you had too. You can also visit my website and find out more on how gold can help you achieve your financial goals.

Contact Pawn Shops for instant requirement of Cash By James Doan

Life always faces ups and down in financial position. Sometimes it happens that a person comes in need of money badly that they have to take loan to meet …. higher in the market as compared to last year. So, if a customer is looking to get instant Cash no place can be better than opting for Pawn Shop, UK.

Insurance Software Solutions – Build or Buy By Julian James

Like many business marketplaces, the P & C industry is an extremely competitive one. Companies that cheap auto insurance want to be successful need to develop, grow, and manage …. industry reports, organizations who opt to build often fall short of their expectations when choosing to build their own software, versus buying a system.

Black Swans, Ugly Ducklings, Golden Geese By Sean Seah

Black Swans, Ugly Ducklings, Golden Geese Hi Friends, Cayden has shared regarding Black Swan and Value Investing in the last post. (Click Here to …. Free Investing Workshop at Sean Seah – See more at: http://www.investment-in-stocks.com/black-swans-ugly-ducklings-golden-geese/#sthash.wJ3oz3x5.dpuf

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Insurance

The plans RSS Feed follow those the Bank’s Prudential Regulation Authority (PRA) has already drawn up for senior bankers, although they are less demanding in some respects.

“Policyholders are best served by insurance companies with senior managers who can be held to account and who are individually responsible for the decisions they make,” PRA chief executive and BoE Deputy Governor Andrew Bailey said.

Regulators have come under Official site fire from lawmakers for bringing so few bankers to book after lenders had to be bailed out by taxpayers in the 2007-09 financial crisis.

Under the so-called “reversal of burden of proof” proposals for banks, top managers would have to prove to regulators they were unaware of or had challenged dubious behaviour at the time.

This has click here alarmed bankers, with two directors of HSBC set to leave the Read more… bank because they Great site are unhappy with the Annotation new rules, Reuters reported last month.

The plans for insurers are slightly different, recognising the differences between the industries, the PRA said.

Regulators would have to show misconduct by an insurance official was deliberate Read this or that insurance behaviour fell below reasonable standards. The sanctions that could be imposed against insurance officials are also in line with those already available, such as fines, bans and public warnings.

The Association of British Insurers (ABI), an industry body, said it was reassured the plans recognised the differences between banks and insurers.

“We will be working with our members… to ensure that the regime is fit for purpose and ensures a continuing flow of high level talent into the insurance industry,” it said.

The insurance new regime for insurers such as Prudential and Aviva will apply to chief executives, chief finance officers, chief risk officers, heads of internal audit and chief actuaries.

A public consultation will run until Feb. 2 and the new rules Continue reading this.. will be rolled out from late 2015.

Insurance

Discover Bank also announced that it would be launching a student loan repayment assistance program in early 2015, but the details of the program haven’t been released.

Private Loans Have Been A Struggle For Many Borrowers

The truth is, many borrowers have gotten themselves into financial trouble with private payday loans online student loans. Federal student loans place limits on the amount students can borrow – theoretically for their own protection. However, when these loans are exhausted, some students turn to private loans to fill the gap.

Private loans typically have higher interest rates than Federal loans, and have far fewer protections for borrowers. There are also few choices in repayment plans beyond the standard fixed repayment.

Private Lenders Must Compete With Federal Programs

For borrowers, there has been a lot of confusion around private click versus Federal loans. While Federal student loans offer various repayment programs, student loan forgiveness, and student loan consolidation options, private student loans do not.

This has made it difficult for private lenders to compete with the Federal government for traditional students. Instead, private lenders have focused on areas where the Federal programs don’t apply: medical school, law school, graduate loans, and more. But the risks are higher, and lenders face shareholders where the government does not.

The trouble is, borrowers in these loans take on more debt – especially in the graduate segment, than they can likely afford. The result is the lenders are facing higher default risks in their portfolio. In turn, it make sense that they will begin offering more structured programs to get borrowers paying on their loans as much as possible.

Borrowers Still Have A Tough Journey

However, borrowers with private loans still have a tough journey to read face if they want to get a private student loan modification from their lender. it’s important that borrowers remember that these are still for-profit companies, and so any loan modification is not going Website here! to be structured just to help Official website the student, but also help the bank as well.

Here’s what Wells Fargo is offering borrowers payday loans online facing financial hardship:

When you are having difficulty finding employment, have experienced a job loss, or have an unplanned medical expense, we understand that keeping up with payments can be difficult.

We may have options that will provide temporary and permanent relief, such as: Short-term payment relief for up to two months as long as you’ve consistently made your loan payments on time, payment relief for up to six months due to financial hardship, payment options if you are already past due on your account, and Loan Modification Program which may temporarily or permanently payday loans lower payment amounts.

When borrowers contact Wells Fargo with a financial hardship concern, they should be prepared to gather supporting financial documents that may include pay stubs, or other types of income documentation, along with information payday loans surrounding the customer’s complete financial picture to evaluate the severity of the financial hardship. Even then, it’s no guarantee that Wells Fargo will agree to any student loan modification.

At the end of the day, it’s important for borrowers to payday loans online remember that payday loans online there is no escaping student loans. These programs are nice, but they are more window dressing than anything else. They won’t help many borrowers, and won’t fix the bigger financial implications of student loan debt.

Insurance

The plans follow Homepage those the Bank’s Prudential Regulation Authority (PRA) has already drawn up for senior bankers, although they are less demanding in some respects.

“Policyholders are best served by insurance companies This website with senior managers who can be held to account and who are individually responsible for the decisions they make,” PRA chief executive payday loans and BoE Deputy Governor Andrew Bailey said.

Regulators have come under fire from lawmakers for bringing so few bankers to book after lenders had to payday loans be bailed out by taxpayers in the 2007-09 financial crisis.

Under the so-called “reversal of burden of proof” proposals for banks, top managers would have to My company prove to regulators they were unaware of or had challenged dubious behaviour at the time.

This has alarmed bankers, with two directors of HSBC set to leave the bank because they are unhappy with Home page the new rules, Reuters reported last month.

The plans for insurers are slightly different, recognising the differences between the industries, the PRA said.

Regulators would See page have to show misconduct by an insurance official was deliberate or that behaviour fell below reasonable standards. The sanctions that could be imposed against insurance officials are also in line with those already available, such as fines, bans and public warnings.

The Association of British Insurers (ABI), an industry body, said loans it was reassured the plans recognised the differences between banks and insurers.

“We will be working with Image source our members… to ensure that the regime is fit for purpose and ensures a continuing flow of high level talent into the insurance Free rates here! industry,” it said.

The new regime for insurers such as Prudential and Aviva will apply to chief executives, chief finance officers, chief risk officers, heads of internal audit and chief actuaries.

A public consultation will run until Feb. 2 and the new rules will be rolled out from late 2015.

What Are Business Ethics?

The top brands in the world need to be extremely careful now. The value of a brand might have taken decades to build but insurance can be destroyed in a matter of weeks. An example of this is when Gerald Ratner made a speech to the Institute of Directors and in humour referred to a cheap necklace that “everyone knows is crap”. These comments served to wipe out over a loans half a billion dollars of the companies value and played click here a major part in the downfall of a once thriving jewellery retailer in click here the United Kingdom.

Business Ethics have only come to the fore recently. They state that there is more to business than just making a profit. The new focus is also on how the business treats the environment, reacts with the local read more community and works with its staff to build a responsible company that is both sustainable and adds value to the people that it insurance interacts with.

“Greed is good” is no longer acceptable to most consumers. The consumer is now better educated with new means at his disposal. High speed internet access and forums like Ecademy now mean that good and bad news travels almost at the speed of thought. They are now demanding more from businesses even though their own ethics at times might be questionable!

Businesses now have to be read wary of using sweat shop labour in the third world especially if they treat them badly. Everybody realises that third world country wages are click lower read but they expect Western companies to treat their employees with some respect and dignity. Businesses that employ children are now frowned upon even though child labour is the norm in these countries.

When properly managed and executed the use of business ethics can actually serve to enhance the profitability of the company concerned. The business can proudly declare their values in brochures, newspapers, internet and television marketing campaigns. Reputation is the strongest asset that a company has and maintaining this and the value of their brands is essential to the read long term future of the business.

There are now funds that specialise in only investing in ethical businesses. They refuse to invest in companies that produce weapons or manufacture cigarettes as an example. These funds have taken of spectacularly and have billions of dollars to invest in the stock markets. Before they invest in a business they send their fund managers in to investigate the business fully to see if they comply with their guidelines. If the company is not willing to answer all their questions fully then they might not get approved for investment.

Business ethics are now included in most business courses and the top management schools. The top graduates enter the corporate world ready to incorporate what they have learnt in the classroom.

Businesses need to have specific programmes in place to manage their staff and workplace in a responsible manner. They must give social welfare a high priority if they are to maintain their public image. They have to be seen to be recycling their waste and disposing of old equipment in an environmentally friendly way.

Many “watch dogs” now exist that “police” most large companies and report any blatant abuse of ethics. Most of these have only been set up in the last twenty years. Most large media organisations also have special reporters whose sole purpose is to identify where breaches are taking place and publicise them.

Why Do You Need Restaurant Insurance?

If you have ever been to a restaurant, you will be aware of the many potential risks and hazards that employees and customers alike could be exposed to: a kitchen full of staff trying to work at click here pace around ovens, stoves, hot plates and each other; maintaining hygiene standards throughout click here the restaurant while trying to serve food; service staff trying to juggle sharp knives, hot plates and the general public. Plus the most common risk of all – trips, slips and falls.

All businesses would benefit from ensuring that their restaurant insurance policy includes public liability insurance. This will protect your My company restaurant from claims made against you or your business, in a situation where you or your business has done any damage to a customer or their property. A lawsuit against a restaurant without public liability insurance could be highly damaging to the company, sometimes leaving it without enough money to continue to operate.

As well as claims made by members of the public, it is also vital that a business has insurance in case an employee falls ill or is injured on the premises, known as employers liability insurance. Your employees should feel they are working in a safe environment, and this includes knowing that they are covered in case an accident should happen which could leave them unable to work and unable to earn money.

Buildings insurance is a very important thing to have, especially if your restaurant is particularly old, or has any features which may need protecting. Although a very rare occurrence, damage to the building itself could be the result of a fire, which is a very real hazard in the kitchen environment. Another vital part of your restaurant insurance is contents insurance; apart from the actual building, this is where most of the businesses money will be invested, so it makes sense to guarantee all of the stock and equipment in your business is insured in case the worst should happen.

There may also be instances where you have to temporarily cease trading due to a major incident, such as a fire, a burglary or even a flood. This would result in Learn more a loss of earnings while you are trying to get the business Their website back Check this out on its feet. 80% of businesses Visit our website which do not have sufficient cover go bankrupt after a major fire. In cases such as these, business interruption insurance would reimburse the restaurateur any earning which would have been lost, meaning you can carry on where you left off.

There are all kinds of potential risks in the restaurant trade, meaning that it is absolutely essential for those who own or run a restaurant of any size, shape or description, to make sure they have the right insurance cover. For those click here new to the catering sector, this can prove a challenge. Thankfully there are reputable brokers which deal with restaurant click here insurance. Their expert knowledge and understanding of the complex Source insurance industry allows them to help restaurateurs of all kinds get the cover they need.

About the Author:

We are based in the U.K. and understand the demands and needs of you, our customers, for all your insurance needs.To explore our range of restaurant insurance options, please visit our website at http://www.trident-insurance.co.uk/

The Honley Law Practise- Solicitors In Huddersfield

The Honley Law Practice and their professional solicitors are based in the Holme Valley near Huddersfield. The Honley Law Practice is an independent law firm and manages to remain independent by not paying commission to referral agencies. This independence allows these huddersfield solicitors to offer cost effective and unbiased services in employment law, family law and property law just to name a few.

One of the many professional services cheap car insurance thatThe Honley Law Practice provides in Huddersfield is in Family Law. Family law is a broad term that encompasses a number of issues. Honley law has a number of divorce lawyers and solicitors in Huddersfield that can guide you through family law issues. In the past our Huddersfield solicitors have represented clients from many different types of family including those who are married, living together or in a civil partnership. Honley Laws Huddersfield solicitors can provide you with sympathetic tailored advice and will aim to resolve your family issues in a timely manner trying to avoid court where possible. Aside from divorce solicitors the Honley law can also help you with pre-nuptial arrangements.

Honley Laws Huddersfield click here solicitors also specialise in employment law and work issues. Employment law can be extremely difficult to understand and take on by yourself as it is an area of law that changes regularly. If you are an employer itsessential to understand employment laws as compensation for things like unfair dismissal can now amass to up to 50,000. Honley laws Huddersfield solicitors can simply explain click here these laws to you so you and your employees are aware of their rights. The Honley Law Practise have extensive knowledge and experience in the field of employment law so can guide you through contracts, disciplinary action, employment tribunals, breaches of contract and unfair or wrongful dismissal.

The Huddersfield based solicitors are also experienced in property law. Property law can cover tenancies, property disputes and the renting or selling of commercial property. Property disputes can include arguments between neighbours or disagreements over property boundaries. Whenever possible the Honley laws solicitors will attempt to settle disagreements via negotiation in order to avoid the stress and costs of taking a dispute to court, but when this is unavoidable the Huddersfield solicitors will click here provide a high cheap car insurance quality professional service.

The Honley Laws Huddersfield solicitors can also act as conveyancing solicitors. The conveyancing solicitors will be able to guide you through buying, selling or remortgaging your home. The Huddersfield solicitors can ensure you a professional service and they do this by staying in constant contact and by not having any connections with letting or referral agents, so all legal advice provided by cheap car insurance the solicitors is completely independent and unbiased.

Planning for the future can be difficult and with the risk of paying high inheritance taxes you may wish to come to the Honley Law Practice to see how you can save more money for you family after you have gone. With click here the help from their Huddersfield solicitors, making a will can be simple and stress free and click here should be completed within a week. When settling your affairs tax planning is essential, at the moment inheritance tax is at 40% for estates worth 325,000 or more but with the help of the Honley Law Practices expert solicitors this can be avoided.

So if you live in and around Holmfirth, Honley, Huddersfield or payday loans West Yorkshire,contact the Honley Law Practices Huddersfield solicitors for practical advice.

About the Author:

The Honley Law Practice is a small independent law firm in Huddersfield who can provide you with professional solicitors for dealing with family, property click here or employment law.

Cambridge Power Group Puts Tech Cluster On World Map

A groundbreaking web resource has been created to promote the Cambridge UK media technology cluster to a world of new business.

The Cambridge Cluster Map – which will undergo a beta launch in the city on July 30 – charts a path to fresh trade & investment opportunities from international organisations.

Project mastermind Sherry Coutu, the Cambridge2Silicon Valley entrepreneur, says the free resource will enable users worldwide to research and transact business with companies in the Cambridge Cluster more easily than ever before.

The not-for-profit initiative is spearheaded by The University of Cambridge, Cambridge Enterprise, SVC2C, Trampoline Systems, Cambridge Angels, Cambridge Network, Duedil, Startup Intelligence, One Nucleus, Venture-Valuation and Linkedin Corporation. Business Weekly is the media partner for the project.

Coutu says: “While many attempts have been made to articulate the Cambridge Cluster, no initiative previously has managed to provide an at-a-glance overview of the entire community that enables newcomers to identify and contact businesses and entrepreneurs of potential interest.”

Developed by Trampoline Systems – the Cambridge Computer Lab spin-out which built the Tech City map so admired by PM David Cameron – the new resource will incorporate a bird’s eye seo companies view of the Cluster showing where businesses are located and provide the facility to drill down for detailed analysis on each company.

Charles Armstrong, co-founder of Trampoline Systems, said the underlying data had been sourced from a number of dynamic partners so would be regularly refreshed.

Cambridge has been renowned for more than half a century for its entrepreneurialism – evidenced by the progress to international status of its leading ICT and BioMedTech companies and the creation of world-class networks such as One Nucleus, Cambridge Wireless and Cambridge Network to catalyse international collaboration.

The recently formed Cambridge Cleantech members’ organisation has created a new wave of innovation, coralling renewable energy solutions along with smart grid & metering technology.

Cambridge University and its colleges have been central to the formation and development of the cluster. Trinity College facilitated the Cambridge Phenomenon by creating the world-famous Science Park in 1970. St John’s College built on this success by establishing its thriving Innovation Centre in 1987.

The University has continued to provide a flow of ideas, staff and graduates that have driven the continued growth of the Cluster economy – which is the third biggest contributor to the UK Treasury.

The Cluster’s economy currently comprises 1,400 hi-tech companies employing 40,000 people and university vice-chancellor, Professor Sir Leszek Borysiewicz, says he views co-operation with local companies and entrepreneurs – and commercialisation of university IP – as essential to help the UK steer clear of recession.

NESTA research suggests that Cluster businesses will have created more than 50 per cent of all new jobs generated in the region over the past decade. The community includes companies of global significance such as ARM, Autonomy and CSR, more than local advertising 100 spin-outs from the University and a vibrant nucleus of SMEs and startups.

Users of the Cambridge Cluster Map will be able to pinpoint businesses of interest through a variety of metrics showing sector, turnover and growth, directors and other indicators.

To support the map’s analyses a vast range of information and data-feeds have been assembled and cross-referenced. Sources range from Companies House filings providing revenue, employee and directorship data to social network feeds offering insight into how businesses connect and communicate as well as prime areas of focus.

In parallel, startups and early stage businesses will be encouraged to submit their details on the website for inclusion.

The website will be fully accessible from all mainstream desktop browsers and tablets and users can share information with contacts on Facebook or LinkedIn.

To help support the ongoing evolution of the venture, Cambridge Cluster Map is offering a number of partnership opportunities that will put participants on the inside track of an initiative with clear scaleability and which carry significant other benefits.

Sherry Coutu would be happy to share details via email at sherry@coutu.com

By: Martin Miller

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to read more please go to www.businessweekly.co.uk/hi-tech/14322-cambridge-power-group-puts-tech-cluster-on-world-map