PROBLEM AT WORK

Employment law is complicated and few people have a clear idea of all their rights at work. If you think your employer has treated you unfairly, it is important to get legal advice at the earliest opportunity. Generally, the longer you leave a problem, the fewer options you may have.

HOW TO PROCESS

Once you have found a lawyer, you should explain your situation briefly to him/her. It may be helpful to email the history ahead of a meeting.

Make sure that you mention the dates of the events you are concerned about. If you plan to take someone with you to the meeting, mention this and ask if there are any documents you need to bring. If in doubt, take documents with you.

LAWYER NEED TO KNOW

how long you have worked for your employer and how much you earn, the details of your problem at work. What events have led you to your current situation, whether you have any relevant documents and he may also ask for any documents which you do not have that might be relevant to the case.

Once you have explained your circumstances in detail, your solicitor can explain your options. If your solicitor believes you have a case and you want to take it further, you need to decide how you are going to do this.

Employer’s procedures

It is important to try to sort out your problem with your employer direct first, either informally or using their formal complaints/grievance procedure. If you have started using your employer’s complaints procedures or if your employer has started to take action against you and try to go to any meetings that are arranged and use any appeal procedures your employer has in place. An employment solicitor can review papers with you and perhaps advise you of points to cover at a meeting.

The time limits for taking your claim to a tribunal depend on what your complaint is about.

Settlement Agreements

If you can reach an agreement with your employer without going to a tribunal, this can be recorded in a ‘settlement agreement’. This is a legal document which confirms the terms of the settlement you have agreed, in exchange for which you give up your legal claims against your employer. Your employer will usually make a contribution to your legal costs as part of the agreement. The law requires that you obtain independent legal advice before a settlement will be valid.

RENTING THE PROPERTY

RENTING PROPERTY

Renting the property seems to be easy source of income, but it can be a legal minefield. You may also to pay tax on the income you earn. If there are disagreements between you and tenants, it can quickly become a drain on your time and resources. The best way to avoid this is to take the right legal advice.

Lawyer can deal with landlord and tenant law and are skilled in settling disagreements. Before you look for a tenant, a lawyer can help you to decide what the terms of the tenancy will be and can build these terms into a written ‘tenancy agreement’ tailored to your needs.

AGREEMENT WITH TENANT

Agreement is a contract between you and your tenant. This contract can be written/verbal. If you have a dispute with your tenant about the terms of the agreement, it is your word against theirs as to what was agreed.

Main advantage of having a written tenancy agreement is that it sets out your rights and responsibilities as a landlord in a way that is legally enforceable. This keeps disagreements to a minimum because both sides know where they stand.

ADVICE FROM LAWYER

You should contact your lawyer as soon as you start thinking about renting your property out. This will give you a clear idea of the terms to offer to any tenant you are considering.
A Lawyer explain the different types of tenancy agreement and identify the most suitable for you, draw up or check a tenancy agreement for you, highlight the essential requirements, explain legal issues, warn you of any pitfalls including advice on how to end an agreement and give you advice on the type of tenant references to ask for.

Once you have appointed a lawyer, he/she will explain your rights and responsibilities as a landlord. You then have the opportunity to explain your specific needs and concerns. This will help the solicitor to draw up a tenancy agreement that is tailor-made to your needs. During this process, your solicitor will cover the following issues with you.

Once you have a agreement, make sure that both you and your tenant sign it at the start of the tenancy and you must give your tenant a copy of the agreement if they ask for it.

PERSONAL INJURY CASE/CLAIM

Over million people are injured in accidents every year. The accident victims have a right to compensation.
Even though personal injury law is complicated, with the help of a personal injury lawyer the process of making a claim can be quite straightforward. Some Lawyers offers free initial consultation and tell you if you have a justifiable claim. A Lawyer will also be on your side in dealing with insurance companies to ensure your individual circumstances are fully considered.

Legal dispute that arises after a person suffers harm from an injury where someone else might be legally responsible for that harm. Personal injury law has mostly developed through court decisions. A personal injury can be resolved through informal settlement negotiations.

A personal injury case can also be resolved through alternative dispute resolution, which is a middle ground between a trial and informal settlement negotiations.

What are the Types of Injuries

Injuries can happen for a variety of reasons. Sometimes you to blame yourself, and other times its an accident. If other person else is at fault for your injuries, you may have a legitimate claim for damages.

There are various situations in which another person or company can be responsible for your injuries. When a person is injured after another person’s intentional acts. In most cases, the intention doesn’t need to be to harm someone. Instead, the person must simply have the intention to perform a particular act. If someone pulls the table out from under another person, and the victim falls and breaks his or her arm, in this case he or she could be held liable for the victim’s injuries. Although the person probably didn’t intend for the victim to break his or her arm, the person did intend to pull the table out from under the victim.

A person can also be held responsible for another person’s injuries if he or she acted in a careless manner. Carelessness is a common claim for injuries resulting from car accidents.

There are several other causes for injuries that could result in a valid legal claim. Injuries that result from medical malpractice or a prescription drug could be a reason for a personal injury lawsuit. Even food poisoning could result in a civil lawsuit for damages.

Hire a Personal Lawyer

Someone you love has suffered an injury that you believe is the fault of another person or company, you may want to contact a local personal injury lawyer to discuss your legal options. It’s important to remember that each state has a time limit for when a personal injury lawsuit can be filed. For this reason, it’s important to contact a personal injury lawyer as soon as possible after being injured.

Five of the Best Retirement Strategies for your Finances

The majority of seniors look forward to retirement, and the last day of work is often a joyous occasion. All seniors should have a solid financial plan in place before leaving work though. More than 40 percent of seniors have at least one savings account, and a large percentage of seniors have a 401k savings account. Individual retirement accounts are also common among retirees. Some senior citizens receive money from an annuity or a pension and almost 25 percent of private sector workers have a traditional pension. Most seniors have less than $70,000 saved for retirement, and more than 50 percent of senior citizens receive half of their income from Social Security. When you retire, you still need to grow your savings. An investment professional can help you accumulate more wealth.

The Saver’s Credit

If your gross income is less than $30,750, you may qualify for the saver’s credit. For couples, your gross income must be less than $61,500. The tax credit is based on how much money you contribute to your IRA. The tax credit applies to IRA contributions up to $2,000 for singles. The credit applies to married couples contributions that are up to $4,000. The credit is worth up to 50 percent of the amount you contribute to the IRA account.

Tax-free IRA Charitable Contributions

When you turn 70 years old, you usually have to withdraw money from your traditional IRA. You also have to pay taxes on the money as well. You can avoid the distribution tax by transferring the money to a qualified charity. The transfer limit is $100,000.

The MyRA

When you have a MyRA account, you invest in treasury savings bonds and your savings will not decline. The money is transferred to a private IRA account when you have $15,000 in the account. The transfer will also occur when the account is 30 years old.

Employer Contributions and Your Tax Refund

Most companies offer a retirement savings plan. Some employers will match your contribution. If you are going to take advantage of this option, you should make sure that you are fully vested in the company. If you are not fully vested, you may not be able to take the employer’s 401k contribution to another company. When you are selecting funds, you should always consider the expense ratio. You should invest in low-cost funds. Investment fees can reduce your savings. Your annual 401k disclosure statement can help you identify low-cost funds. If you deposit your tax refund into your IRA account, your savings will grow faster. Your tax refund can be deposited into a Roth IRA, traditional IRA or a MyRA.

Tax-Free Retirement Income and Other Investments

If you have a Roth IRA, your savings will not accrue taxes while the money is in the Roth IRA account. If you do not make any withdrawals until you are at least 59 years old and you will not have to pay taxes on the money. The savings account must be at least five years old. Also, you may want to keep some of your investments outside of your retirement accounts and have your bank do portfolio management on them from time to time. Ordinary income is taxed at a higher rate. Long-term capital gains are taxed at a lower rate.

The average retiree lives on less than $20,000 a year, and some seniors are surprised by the unexpected expenses that come with retirement. Medicare is not a comprehensive insurance plan and only covers preventive care, but you will need a more comprehensive health insurance policy. You should also consider the annual inflation rate. If you rent your home, your rental fees will increase every year. Your utility bills will also increase as well.