The Agency Workers Directive (AWD): Your questions answered
Author: Lydia Drukarz
The Agency Workers' Directive (AWD) has been on the horizon for a long time. On 21 January this year, following two rounds of public consultation in 2009 and an intensive eight-year lobbying campaign, the final regulations for the AWD were put before Parliament and published the next day. The regulations confirm that the AWD will not become law until October 2011.
PCG (formerly Professional Freelancers Group) has recently been lobbying the Government to recognise the value of freelancers in the labour market and when the AWD does become law, it is bound to revolutionise the freelance workforce.
Here at JSA, we recognise that the AWD will have both advantages and disadvantages for contractors and that the issues surrounding it can be very confusing. Below, we answer queries contractors may have about how it will affect them and what can be done in advance to prepare for it.
Why was the AWD created?
The reasoning behind the Directive (which was originally
First Time Buyer Mortgage Advice
Author: Francesca Knap
For those individuals looking for a first time buyer mortgage in Ireland, there are some things that you need to know. Todays mortgage world is a more difficult place, as banks have been a little bit tighter with their money than in the past. What that means for you is that you will need to have all of your affairs in order if you want to get financing for a home. It is still possible to purchase a home in Ireland and right now might even be considered a good time to buy, but you have to make sure that you have a strong case to present to the mortgage lender in question. Having an established employment historyOne of the most important pieces of advice for a first time buyer mortgage seeker in Ireland is that you need to show that your employment is long standing and secure. You will want to let the lender know that you are going to have the ability to pay them over the long term, as this lessens their risk. Many people underestimate just how important it is t
Chase Mortgage Modification – What If You Are Unemployed?
Author: Christine Clover
Have you been wondering if a Chase Mortgage Modification could solve your foreclosure dilemma and help you keep your home? Chase is a participating lender in the Making Home Affordable Program. These loan modifications are targeted to people who have had financial hardship and are unable to continue making their house payment. Does Unemployment fall into that category?
During the economic downturn of the past few years, many people have lost their high-paying jobs as the doors have closed on plants across the United States. Many people have had to take positions paying much less than they were accustomed to making, often in the service industry. Their highly specialized skills are suddenly not in demand any longer. Many other people have been unable to find any positions. They are still unemployed, seeking a job anywhere they can. All of these people are facing problems trying to stay in their homes and avoid foreclosure.
Click here to get loan modifica
Payday Loans Accessible and Available
Author: Bob Brightside
The internet has also played a big role in the rise in popularity of these types of loans, as many payday lenders have moved to offering online applications which have made the application process extremely fast and it very easy for people to obtain a payday loan, as long as you are likely to have the finances to pay the amount borrowed back. Gone are the days where customers had to send in page upon page of documents to prove their identity, address and financial circumstances as the process is now almost totally automated.
As people have become increasingly internet savvy, the payday loans industry has adapted their offering to suit people who want a quick and hassle-free way of getting their hands on a bit of extra cash to help pay off any unexpected bills before payday.
A cash advance is a smaller amount of money than you would borrow with most other loans and you can spend it on whatever you need to, whether it is some late bills that need paying to a
What to Look for on Payday Loans
Author: Bob Brightside
Long term loans have been popular for a while now and it is important for everyone to know that if you think you may struggle to pay off the loan then you should not take one out. Shorter term loans such as payday loans have risen in popularity because many people don't want to be tied into a long term credit agreement, having to make interest payments month on month, when they only want to borrow a small amount of money for the short term.
Payday is the best day for many people as our bank balances rise and things look a little healthier, if only for a few days. Unfortunately the period leading up to payday can be a difficult time during some months and some people are extremely unfortunate to be hit with a payment that needs to be made before they receive their pay cheque. Fortunately for those people there is the option of payday loans that will help fill the gap between then and payday.
Payday loans are simple to apply for and can be in the recipient's
Do You Know How Rebates Work?
Author: Caroline Peroz
One of the best incentive tools at a retailer's disposal is the product rebate. Consumers see the price advertised after rebate and therefore see a great deal. Often, products are eadvertised as even being free after rebate. Retailers however know that most consumers will never send in for these rebates and thus end up receiving full price for the product. Here are a few tips to help you decide when a rebate is worth the effort and which ones have catches that aren't worth the effort.
When you see a rebate offered from a major company, you can be sure that it will be honored and you will get our money. Other companies are not so scrupulous. From less known names and brands, it's usually best to view a rebate as a bonus since you can't be sure you'll ever see it. Buy these products only if you are happy with the listed price and then hope for the best.
Another trick that some retailers use is to purchase inventory with expired manufacturers re
Fast Cash Loan- When Living from Payday to Payday is not Possible
Author: Bob Brightside
Some people are fortunate enough to be able to consistently make the wages they earn last throughout the month. However, there are plenty of people out there who at one point receive last minute or unexpected bills that leave them short for cash that month. This means they need some money towards the end of the month to help ease the financial burden before payday arrives.
Payday is a time of the month (or week depending on how you are paid) everyone looks forward to but occasionally it does not come soon enough and we are left short of money at a time when we most need it. The end of the month is always the worst possible time to receive an unexpected bill! To ensure that these bills get paid on time you can look to a short term loan that will help you pay off the money without leaving you with too much debt afterwards.
Payday loans are an unsecured type of loan which means there is no need to secure your home or other assets against the loan. The fact th
Finding the Right Cash Advance at the Right Time
Author: Bob Brightside
No matter how well we budget our money each month there may come a time when we need a little more money in our accounts to help us through to payday. There are a number of loans on the market, but with these types of loans you need to ensure that you will be able to afford to pay back whatever you are borrowing, with interest, when the time comes to repay the loan.
There are all sorts of loans on the market for different purposes, and with different values and durations. For those who only need a small amount of money to help them through to their next payday, payday loans offer a great solution, as that is exactly what they are for. Payday loans work like getting an advance on your salary, so you can borrow a small amount of cash and repay it when you get paid. If you use an online payday loan service, your application can be approved within a few minutes and the cash transferred to your account the same day, if you apply during working hours Monday to Fri
Deciding on a Large or Small Mortgage Down Payment
Author: Rob Blake
If there's one thing that you need to seriously ponder on during the process of buying a home, it's none other than the amount of down payment that you need to pay. Should you decide to put down a huge down payment so that you will be left with a smaller debt – or would you rather look for a type of loan which requires little or no down payment at all? Fortunately for home buyers, gone are the days when the rule of thumb "The bigger, the better" applies to putting a down payment for your home mortgage. It was a rule to live by during the boom of the real estate industry. But with the recent spate of economic problems, the brunt of which was taken by the housing industry, the rule does not apply anymore. Instead of paying off a huge amount for your home's down payment, you can use it for other things instead. For example, you can purchase a foreclosure home with very little down payment. The money that you should have allotted for the down payment can now be use
Some Facts About Fixed Rate Mortgage Loans
Author: Larry Martinez
You will have to realize that the fixed rate mortgages are very hard to get. There are many demands which you will have to fulfill and most of them are quite tough ones as well. These fixed loans are quite readily available as well. However you will have to fulfill the demands. You should have an idea about these mortgage loans. You will find that if you take them seriously then there will not be any problem. Let us discuss in detail.
The obligations are as follows:1. You need to find out the cause why you are going to ask for so much of money. Actually you should work out the amount which you require. You should ask for neither too high nor too low value. Hence you will have to find out that what the constraints really are? This is indeed quite important. There are many more things which you need to understand. But keep in mind that you should take the help of the mortgage broker if you want to decide the right loan amount.2. There are many more points as
