Justices of Peace (JPs) are selected people, who play an important part in the legal system. You may have asked a JP to certify one of your documents at one point or another. However, sometimes accessing their services can be challenging. There may be instances when the JPs are not available, do not have the […]
Financial hardship is when a borrower who shows willingness to pay his/her loan commitment but is unable to do so, due to reduced income or earnings as a result of unexpected events such as changes in employment status resulting in job loss or having reduced working hours. Significant life events for example a relationship breakdown, […]
Last week, you read that a Debt to Income ratio (DTI) is a personal finance measure that compares the amount of debt you have to your overall income. In debt management counseling services, we think that being at or less than 30 percent is safe, between 35 and 40 percent is preferable and above 40 […]
Are you thinking of buying a house sometime soon? Or, are you planning to take a vacation abroad? Well, if you are thinking of doing either, and planning to obtain a loan, you got to know whether you can meet your monthly repayments. Debt-to-income (DTI) ratio will assist you to understand your financial position so […]
Borrowing money can include anything from taking out a loan to buy a car or home, or, buying goods on credit through hire purchase. Any agreement you sign to take loan must take into consideration your legal rights under the Consumer Credit Act 1999, Consumer Credit (Amendment) Act 2006 and Regulations 2009. However, this legislation […]
Lawyers play a critical role in conducting due diligence, which includes authenticating facts provided by the seller or the seller’s solicitor to ensure that his or her client gets exactly what they thought they were buying. The solicitorrepresenting thebuyer has more potential risks. It is therefore expected that the buyer’s lawyer has verified key information […]
It’s again Hibiscus time, which many consumers look forward to for mouth-watering take-away, a range of shopping items, entertainment and amusement rides for the young and the old. The Hibiscus festivity manifests beyond the grounds as many stores around the city offersale, attracting many consumers including the children who are on school break. In all […]
Buying perfume is a tradition for some consumers whenever there is a sale. They happily spend quite a bit to own that bottle of perfume which they had been eyeing for a while. But, has it ever occurred to anyone that their purchase may be counterfeit or fake? No doubt, it is easy to be […]
Hundreds suffer from vehicle accidents annually yet they are not fairly compensated for the physical, emotional and psychological stress that they endure. Questions have arisen as to whether anyone really cares about the innocent victims of fatal or near fatal accidents and the loss of lives and livelihoods for the injured or deceased families? It […]
Debt is a reality. Most people borrow money to assist them with their investments such as buying a house, car, paying university fee, medical bills or simply to organise a funeral service. Some even borrow these days to host a grand-fat wedding for themselves.
Lawyers play a critical role in conducting due diligence, which includes authenticating facts provided by the seller or the seller’s solicitor to ensure that his or her client gets exactly what they thought they were buying.
Buying a property is quite a strenuous exercise – whether it is a residential home or a commercial property. For any buyer, purchasing a real estate is always high risk. You must do your due diligence when buying property after all you will want the experience to be positive and rewarding.
It’s again Hibiscus time, which many consumers look forward to for mouth-watering take-away, a range of shopping items, entertainment and amusement rides for the young and the old.
Buying vehicle insurance is expensive. And you will never understand how the premiums are determined? Maybe that’s why there is so much misinformation about insurance coverage and pricing.
Many consumers look forward to discounts, promotions and specials with a hope to save some money. On the other hand many businesses use pricing gimmicks to attract consumers or to get them through the door.