Begin Your Compensation Claim From Your Mis-sold Mortgages

There are many ways where in mis-sold mortgages practice can occur. For example, a self-employed applicant was advised for self certification application for their loan and this is might not be right. If the mortgage broker or lender manipulates their clients to declare an higher monthly earnings, this is categorized as one of the mis-sold mortgages practice.

After giving all the personal data, broker should show a selection of products that suits the applicants circumstances and needs, unless it was clearly stated that one was offered. The correct information of the clients should be filed in a fact find document for future references of both parties. All the clients?documents must be retained by the mortgage broker, if not this is categorized as mis-sold mortgages practice and a distinct breach of Mortgage Conduct of Business Rules.

The most typical area of mis-sold mortgages is when you are asked to make a self certification of your mortgage application but was unemployed during the period of the application. These are known as self certified mortgages and so are recently been banned by the FSA because a great deal of mortgage brokers and lenders took advantage of such type of mortgage application.

If the client was offered interest only mortgage beyond their retirement age without exploring the future consequences of repayment, then this is yet another issue of mis-sold mortgages practice. The mortgage brokers and lenders may need to look after the welfare of their clients and not after the commission (for the brokers) and profit (for the lender) that they will get from a mortgage product. They need to make sure that the program and advice they offer on their customers are the most suitable for them and the most affordable so they can avoid mis-sold mortgages complaints.

If you believe you’ve been one of the victims of mis-sold mortgages in great britain, you may be able to claim back compensation for being handled unfairly by your mortgage lender or broker. You may be also to save your home from having repossessed by your lender if you will do the proper move. You may take your complaint to the Financial Ombudsman Service or seek the help of a professional solicitor in this area.

Arranging Furniture In Your Room

A lot of factors come together when it comes to purchasing furniture. Many people do not think about all of them until after they already have a significant amount of furniture. They run into a problem. They do not know how to arrange all of the furniture they have purchased. Others run into this problem without purchasing any furniture. Some people inherit furniture or they are given furniture as a gift.

It can be quite the task to arrange a lot of furniture. A good place to start is to think about colors. Having a neon green sofa with a plaid yellow couch in the same room is probably a bad idea. That is especially true if the room is painted blue. This is, of course, assuming that an eclectic, strange look is not the goal.

It is important to group together furniture with a similar palette. This does not mean that all of the furniture must match exactly. It is okay to combine black and white or a solid with a pattern. Everything must flow nicely together though. The only person who can determine how well it flows is the one arranging the furniture. If none of the colors work well together, putting new fabric onto the existing furniture might be the perfect option.

The next consideration is the size of the furniture. Putting a sectional to add more seating in a bedroom is very rarely practical. The largest rooms ought to have the largest furniture. The rooms where people hang out the most ought to have the most seating. It should be oriented in a way to focus on what is important. For some families, the furniture should be focused on the television for movie night. Other families may want it focused on the fireplace to get cozy during the cold seasons. The room will make more sense if there is a focal point. It will also make more sense with some flow. No one wants to jump over the furniture inside of a room!

These two factors will help make arranging furniture easier. There really is a very logical pattern to making a room look its best. Furniture is wonderful to have, but it all must be used appropriately. Sometimes, less is more with furniture. It is better to have an open room with less seating than a cluttered room where people feel uncomfortable. Arranging the furniture in an open way can make all of the difference in the world.

Feng Shui And Numbers

Chinese who believe in Feng Shui are extremely superstitious about the figures they choose as their telephone number, house number, car number and the like. The categorization of some numbers as lucky and some as unlucky depends on the way they sound when spoken. For instance, in western numbers -eleven’ sounds like -heaven’ or number -eight’ sounds like -weight’ or number -one’ sounds like -son’.

Numbers considered unlucky by the Chinese: Number 4 (pronounced as Sei) is known to be a bad number because in Cantonese it sounds like the word -death’. Number 13 is unlucky because it adds up to 4. Apart from this, number 24 and 104 are also unlucky for the same reason.

Numbers considered lucky Numbers such as 108, 168, 99, 88, 84, 80, 68, 54, 48, 38, 28, 18, 8, are all good numbers. The main reason why 8 is lucky because if you pronounce the word (patt) it sounds like “faat” which denotes “prosperity and abundance”

Consequences of some lucky numbers and combinations:
289: Long-term prosperity
5: myself, me
518: I will flourish
5189: I will flourish for a very long time
516289: I will tread a long, smooth wealthy road
5918: I will prosper soon
6: smooth and easy
7: together
8: prosperity or sudden fortune

The cure If you have a house or businesses with 4 or 13, then just draw a circle around that number. The circle is tremendously powerful and captures the ill-fated effects of the negative number. There are two ways of doing it, one way is to go to the local hardware store and find a ceramic door number that can be customized with a circle. However, if you cannot afford to shelve out too much money then a simpler method is to simply go out and make a circle around the number. Also note, if you live or work at a place that has an unlucky number but is outside of China, consider how that number sounds in the native language of that particular country. How seriously should one take numbers? If you’re still looking for a house, office or car number then make sure you comply with the norms set by fengshui. However, if you already have bought one with number 4 or 13, don’t worry too much, just use the cure provided above or consider changing the number to a name like “rose cottage” -your company name- etc.

Numbers in Feng shui plays an important role, believers of fengshui always follow the number guide provided Chinese astrology . For more information on Fenghui and related topics please visit www.vaastshaastra.com

Make A Room Divider With Photo Display

Some people keep asking themselves whether it is actually possible to build your own photo room divider. The answer to that would be “yes”. In fact, doing so will help you save a lot of money, and who doesn’t like the idea of that, right?

One thing you will need is a frame for the room divider. You can make use of your old ones or you can try building it yourself. The frame, of course, is necessary only if you are planning to make a standing photo room divider. The next thing you ought to get is some corkboard, roughly in the same dimensions as you want your folding room divider to be. Of course, you will also need some glue and some map pins.

What you need to do to make a photo room divider is to attach the corkboard to the frame. After that, you are actually pretty much done. The great thing about this homemade photo room divider is the fact that it offers a lot more in terms of customizability.

Unlike other types of photo room dividers which require you to place your photographs inside specific pockets, this homemade photo room divider actually allows you to pin your photographs anywhere along the main body of the board.

When you design your homemade photo room divider, you can do so using various cutouts or printouts. You might want to make sure that the photo room divider is decorated with a specific design in mind. Otherwise, things are just bound to get chaotic.

A great idea you can use would be creating a mosaic on the photo room divider. This will give you both the freedom to truly express yourself and the organization which will help you make sure that your self-expression is done in a context which other people may be able to appreciate.

As you can see it is actually quite easy to make your own photo room divider. However, some people may not have the skills or the resources needed to complete this little project. In cases like this, you might just have to settle for buying your photo room divider commercially. It might not be as fun, but it’s better than nothing.

Hiring a Professional Retail Contractor to Do the Jobs Right

Retail remodeling and construction projects can either be very difficult or a smooth undertaking depending on the retail contractor you have hired. Thing can take a negative turn if you select a company that is not well efficient or it is not highly experienced to understand your goals and the important aspects of your business. Although price is a big matter to consider, the lowest bid may not always be the best value. On considering these important facts, you will be able to choose the right professional to insure that your business project is run successfully and tension-free.

A retail contractor with years of experience and expertise supervises the construction of the project and they are knowledgeable about the project and easy to communicate and professional. You can find a skilled professional from print media or on the Internet. It is important that you search thoroughly each candidate and ask for the total work experience of the company or individual doing the work you need. If you want to renovate your office or company construction with occupied office space, make sure to ask if your contractor has experience in working in preoccupied office spaces without interrupting your business. However, if you don’t have plans for your project make sure to look for a general contractor who provides comprehensive design-building services for your construction. Engaging any professional will save you time and money and the end result is spectacular.

It is essential to check credentials carefully. Make sure to interrogate previous clients and ask whether they are satisfied with the company and also know other essential details. Be careful to ask for a copy of contractor’s license and check their previous track record or any criminal record filed against them. Searching the Internet is the best source to get a reliable company or individual providing state-of-the-art designing or building services with much efficiency. Also request a copy of the insurance and make sure it covers liability and workers compensation policy. Moreover, check whether the company is financially sound and pays its bills and taxes on time.

Once you have narrowed down the list of retail contractors available in the industry, it is time to know the estimated budget and time required for the completion of project. Today, a lot of companies have lowered down their profits to be competitive in the market. However, companies with a much lower estimate may be reducing their prices by using inferior quality materials. So, take time to check carefully all the aspects before you arrive at final decision.

RCC Associates is your general Retail Contractor and pride ourselves in delivering a range of first class hotel refurbishment projects for our clients. Our Hotel Contractorhelp you in dealing with all the required problems related with the development process of restaurants.

Simple Ways To Decorate Your Dorm Room

It’s your first time away from home. College may be a little scary to you. You get your own space to share with a bunch of other people making it feel like a 24-7 sleepover. But wait. You like sports and your roomie likes movies. How in the world will you decorate your room?

Posters

Enter the poster. Posters have been around for hundreds of years. They provide color, themes and cover wall space to perfection. If the poster you choose is especially important to you get it framed so that it lasts longer.

Something Special From Home

So posters are the first way to decorate. Second, did you have something really special in your room at home, say a trophy or ribbon you had won? Just having that in your room will help give you the security and confidence you need to succeed while you are away at college.

Stereo

Third…How about your stereo? Bringing your own stereo to college along with your CD collection can make you one of the popular kids on campus. After dinner and before studying blast those tunes down the hall and get everyone dancing away their energy and having fun. Then everyone can settle in for an evening at the books.

Stuffed Toys

Fourth…Did you have a special stuffed animal or stuffed toy on your bed at home? This is more for the girls than the guys obviously but if it was a stuffed animal that your best friend or little brother had given you it will have a unique place in your heart so give it a special spot in your dorm room.

Hats

Fifth…Hats! For the guys, a collection of baseball hats will tell everyone about you and your favorite teams. Some hats may have pins you collected as you went from event to event. Imagine having a Yankees cap with pins of each of their World Series Championships. You would certainly stand out in a crowd of baseball fans. Maybe you were on a trip and picked up a new cap. That could start a conversation with a new friend. And with baseball caps you can buy an inexpensive hanger to put on the back of your closet door, keeping them in one place and readily accessible.

Decorating your dorm space at college is extremely important. It will make you feel at home (as best you can) and it will be a quiet and familiar place you can return to at the end of a busy school day. Think about what you want to take away with you and make decorating the first thing you do when you arrive. Get that dorm room looking and feeling like your home for the school year.

Feng Shui Dragon Tortoise

Tortoises and dragons have been known to be the two immensely powerful symbolic items of Feng Shui. The dragon alone has several symbolic meanings and it stands for wealth, positive energy, fertility and immortality, to mention a few. The dragon is believed to have a positive influence on humans according to the Chinese mythology.

The tortoise also has potential symbolic meaning and it represents permanence, of committed efforts and of premeditated actions that would lead to inevitable success. The unification of these two powerful symbols- the Dragon and the Tortoise results in the formation of one Feng Shui item that possesses the power of both these animals and brings in longevity and success.

The symbol of Dragon Tortoise is portrayed with the dragons head and the tortoises body. A tiny turtle is usually found on the tortoises shell at the back, and the Feng Shui item stands on precious metal ingots and coins piled up together. A coin can often be found inside the mouth of the dragon.

The Dragon tortoise happens to be one of the four ancient propitious animals dragon, tiger, phoenix and dragon tortoise. This Feng Shui Product is believed to have tremendous potential because of combined effects derived from its unique figure; which is the combination of a dragon and a tortoise. Dragon tortoises can bring in Gui Ren to your life, which means people who help. Gui Ren can be either your boss or colleagues, customers or anyone who can do good to you. Apart from that, this Feng Shui cure can also help in avoiding disasters and converting negative energy into valuable positive energy. But the major potential of the Dragon Tortoise lies in its ability to attract wealth.

The Dragon Tortoise which is the combination of two celestial animals of the four used in Feng Shui practice is an amazing combination that produces a well harmonized unification of enhancing qualities of both the dragon and the tortoise. This is one such traditional symbol that was used in ancient palaces to indicate peace, the emperors long life and prosperity, and the countrys steady rule. Today, this Feng Shui item is used in homes as a symbol of peace and harmony, long life, status and prosperity.

Dragon headed tortoise is commonly known as the Lou Shu and it is used in homes for protection, good fortune, success, prosperity and development.

Feng Shui items are to be placed in ideal positions to have its real benefits. A Dragon tortoise is to be placed in such locations where you need certain beneficial influences. Feng Shui is believed to have tremendous properties and there are several Feng Shui cures and Feng Shui enhancers to be availed in kits from Feng Shui Stores and shops. These kits contain almost all the Feng Shui remedies to help you gain maximum benefits.

Chennai Real Estate- Victim Of Market Slump

Real estate in Chennai is on the verge of a crashing market, believes industry experts. Chennai property prices have seen an escalation of almost 200 per cent in the last few years. But with the global slump in the real estate industry Chennai real estate has also slowed down.

Number of Chennai real estate developers has been able sold only a few of their properties in the last quarter. R Mohanty, real estate agent from Chennai states, “The residential real estate prices in Chennai have grown by leaps and bounds making it difficult for buyers to purchase a home in the city. The increased loan rates have now made it worse. Though the prices are witnessing correction people are awaiting the market to further stabilize.”

Research reveals that there has been a 90 per cent drop in demand for residential projects since the start of the year.

Notably, Old Mahabalipuram Road, the hottest real estate destination in Chennai is also loosing pace. Cursing the fading effect of the place on lack of infrastructure facilities, Chennai real estate agents say there have been only a few transactions in the area for quite sometime.

The commercial sector is also witnessing a downfall. The Central Business District in Chennai has seen a 15 per cent drop, media reports.

IT companies largely drive the demand for Chennai properties but due to the current market recession many companies have postponed their expansion plans. As a result supply of office space in the city has exceeded demand. Huge chunks of office space are lying unoccupied. Subsequently, Chennai real estate builders are now waiting to launch their projects.

Besides global recession, inflation, the rising home loan rates and increasing input costs have also resulted in slump in property transactions in Chennai. Realtors in Chennai are struggling to sell properties. Though price correction is taking place in Chennai Real Estate sector but realty experts predict that the market will bounce back.

Decorate Your property or Organization with Rustic Furniture

Decorative means colorfulness for making any function bright. For all operate like Xmas every person appears to be like to decorate their home. But you understand Home furniture can be making your house or business enterprise extra colorful. If somebody visiting your home or your company they are going to see neatness. Any consumer visiting your business they may see your organization natural environment. You wish bright hunting furnishings like chairs, dining table etc. Rustic Furniture is really a good alternative to suit your needs.

Why Rustic Furniture?

You recognize on proverb old is gold. Without a doubt, Rustic Furniture is like that only. Now daily you’ll be able to see a lot furniture developed with metal, rubber and cotton. This household furniture’s are not so strong comparing to rustic furniture. Other furniture’s are easily bought broken after a person or two calendar year. But making use of rustic furniture it is possible to see the wood stay for almost 50 a long time. Also this rustic furniture’s are genuinely precious one.

You can find a lot of models rustic furniture accessible in industry. All furniture’s are built with authentic wood and colored. Get rustic furniture like rustic chair, rustic dining table, rustic cot, rustic box and many others and fill your area colorful. If you have a company in your hall site all chair and desk with rustic. Your whole consumer feels content.

Wherever to acquire this Rustic Furniture?

So as to purchase rustic furniture with very low value you’ve got to stroll or speak with our showroom accessible in San Marcos city. We are the best dealer of rustic furniture like rustic dining table, rustic chair and much more. Rustic make your property neat and colorful.

Get Rustic Furniture like , rustic chair from Rustic Home at San Marcos and make your home bright.

Contractor Insurance Overview

Contractor insurance is an essential element of running a contracting business and comprehensive insurance cover can mitigate the impact of events such as thefts, an investigation by HMRC or even the threat of legal action and compensation arising from client accusations of negligence.

Umbrella company contractors are normally covered by their umbrella company employers policy, but limited company contractors must make their own arrangements to ensure they have adequate cover in place to satisfy business and client requirements.

Insurance types to consider

There are three main categories of insurance that contractors should consider:

Office
Professional indemnity
Tax investigation.

A comprehensive office policy would normally include public liability and employee liability, legal requirements for trading limited companies, plus home office contents and portable equipment cover for business equipment, such as laptops and mobile devices.

Professional indemnity insurance, also known as PI, will provide the funds to cover legal advice if a client levels accusations of negligence against a contractor, and may also cover any payouts for compensation. Most clients, particularly those in the public sector, require that a contractor limited company has at least 1m in PI cover.

Tax investigation insurance covers the cost of accountants and other expert assistance in the event of an investigation by HMRC. A routine compliance visit by an inspector may only cost a few hundreds of pounds in an accountants time, but if the investigation develops into a full-blown IR35 case, the cost of an expert defense can run to tens of thousands of pounds, which could financially ruin a contractor who does not have insurance.

Choosing the right policies

Not every contractors insurance needs will be the same. Some contractors may have requirements unique to their sector, or could have business premises, such as an office or workshop, that require specialist cover.

A specialist small business insurance broker will usually assess a contractors insurance requirements as part of their service and then actively seek out the most appropriate policies for the contractors specific needs from the market.

Alternatively, it is possible to obtain a comprehensive package of insurances directly from an insurance company, but contractors should ensure the insurer understands the contractor marketplace and has a track record in providing contractor insurance products.

Contractor insurance costs

As most policies will be individually tailored to a specific contractors needs, each policy is priced accordingly. Buying insurance in a bundle direct from an insurer or via a broker is usually more cost effective than buying different policies direct from different suppliers.

As a rule of thumb, a comprehensive office policy costs a few hundred pounds, PI insurance from a few hundred to several thousands, depending on the amount of cover required and the type of services the contractor provides.

Tax investigation insurance comes as a benefit of PCG membership. If bought separately, it can cost a few hundred pounds a year, and compared to the potential cost of an investigation, it is generally a worthwhile investment.