5  things you need to know about a criminal record

There can be few people who welcome the addition of a criminal record to their CV. However, in the UK having a criminal record is surprisingly common. By the age of 53, 9% of women and 33% of men will have a criminal conviction to their name. Possible shame and regret aside, what are the implications of this?

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1. Does a Conviction Affect Travel Plans?

Yes, it can. Currently, travel within the EU is unrestricted as UK citizens do not require a visa, although this may change after Brexit. Entry to countries like the US and Australia can be more difficult because entry visas are often refused on grounds of a criminal record.

2. How Does a Conviction Affect Employment and Education Prospects?

Some employers, such as Timpsons, actively recruit ex-offenders. Several large City firms are also known to offer work experience, which may lead to permanent employment, to this group. Other employers may be less helpful. However, the Rehabilitation of Offenders Act 1974 (ROA) bars discrimination against anyone with a spent conviction, other than in particular circumstances. As regards education, some further and higher education providers ask applicants to disclose any criminal record.

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3. How Does a Conviction Become “Spent”?

This depends on the conviction. Under ROA, most convictions that resulted in a prison sentence of four years or less will become spent after a certain period of time. There are exceptions to this principle, which mostly apply to individuals applying for certain jobs, such as with children or vulnerable adults, when a criminal records check undertaken by an organisation such as http://www.carecheck.co.uk with the Disclosure and Barring Service (DBS) will reveal spent convictions.

4. Are There Other Ways in Which a Conviction Might Not Appear on a DBS Check?

A single offence, committed a long time ago, which resulted in neither a prison sentence nor a suspended sentence, may be filtered from appearing on a DBS check. There are exemptions, so expert advice may need to be sought. The government’s own guide to the filtering of offences is a good place to start.

5. Are Insurance Premiums Affected?

This is possible. Insurance companies often charge higher premiums to anyone with an unspent conviction, even if that conviction is entirely unrelated to the insurance product. Failing to declare an unspent conviction risks invalidating the insurance.…

Reasons You Should Opt For Strategy Consulting

Strategy consulting is a kind of management consulting which helps you plan a strategy to have a better future. The strategy consultants advise their clients so as to what can be the best plan for their business in the future both long and short term. These strategy consultants cover almost all the industries in the world including both private and public organizations.

There are a number of firms which are helping big and small industries for their market growth. One such industry is the Golden Equator Consulting which helps the clients according to the type of business they are in. You can go to https://www.goldenequatorconsulting.com/ and have detailed information about the kinds of services they provide.

Things To Expect

Strategy consulting comes into account when you are suffering a great loss and have no idea about what to do next with your business. What can be most suitable and what can cause you more loss. The consulting services guide you in the most unbiased way.

  • Creativity: The consulting firms in singapore have great knowledge in every field worldwide. They are trained in such a way to think put of the box and give the most creative and successful ideas. They can analyze the whole situation and give out the most suitable and effective plan out of the particular condition.
  • They Expose You To Various Business Problems Around The World: they have combined knowledge about every industry and how they are doing in the market. Thus, they can help you with what products can you build up to grow your business and what can you stop producing. Suppose you are having a business in shipping industry but you are not having profit but you have means to build a product in tech industry. They can advise and guide you to do so.
  • Implementable Solutions: they don’t just give vague ideas. They know the importance and criticality of the time and situation and therefore come up with ideas that can be practically implemented. They just don’t give something that is not really possible. They have a perfect answer to whatever question is asked from the idea they have given.
  • Speed: the strategy consultants work day and night to give us the solutions to our problems in the shortest possible time. They understand that our time is precious and respect that fact. They try to give the best solutions and ideas in the shortest possible time.
  • Presentation Skills: they plan the whole thing is such a way that it is understandable to all and by all. And it gains the maximum popularity once established. They know the current status of the world and work according to the needs and wants of the customers.

Knowing The Market

Strategy consulting is a very helpful service for people starting a business or wanting to start a business or is suffering losses in their business or simply anyone who wants to grow their business. They provide the best solutions according to the current market status of the …

planning your retirement

Just as planning a wedding or for your first home, being prepared for when you retire involves important life decisions. It’s a good idea to start thinking about which retirement option you want to take up to ten years before you are planning to stop work. Whichever pension option you choose will affect the income you receive for the rest of your life. It would therefore be prudent to involve a financial adviser to help you decide which is the most appropriate option for you.

There are certain factors that you need to take into consideration before deciding on how you want to use your pension pot.

Work out your retirement income

Your retirement income will be made up from your state pension, plus any pensions you’ve accrued during your working life. You can obtain a state pension statement from the GOV.UK website, and if you’ve lost track of pensions from previous jobs, the Government’s Pension Tracing service can help you locate them. Add in any other savings you have earmarked for your retirement, too.

Consider what your post retirement budget will look like

Your income may be less, but your outgoings will change. For example, work-related expenses will disappear, but there might be activities you plan to take up in your retirement. You may need to spend more on gas and electricity. Plan your budget and think about what last minute tweaks you might need to make to your pension payments now, so that the income you receive later on will allow you to live comfortably in retirement.

Move into lower risk investments

The last thing you want is for the value of your pension fund to suddenly drop just before you want to draw it. Moving your savings into lower risk investments helps reduce the chances of that happening. In fact, some pension funds will automatically do this as you approach retirement age. However, not all of them do, and it would be wise to speak to a financial adviser who will be able to help determine which, if any, changes need to be made. Again, this is something that you should be thinking about during the years running up to your retirement.

Boost your pension if you can

While moving your pension pot into lower risk investments might reduce the overall rate of return, there are other ways in which you can increase it. The two most effective ways would be to make larger payments into your pension pot if possible, meaning more can be invested. Delaying the date when you start to draw your pension means that the income will be higher, as you would be drawing your pension over a shorter period of time.

Clear your debts as much as possible

Entering retirement with a clean slate is the ideal scenario. With no debts, you can enjoy your retirement income to the full. Since your pension will represent less income than you were receiving when you were working, you won’t want to be using it …

Risk management and mitigation

Risk management and mitigation are key parts of land and property management today. One of the mitigation measures that can enable risk scores to be reduced is the purchase of insurance against the wide variety of environmentally based claims that can arise.

One of the difficulties in pricing insurance policies is the problem in costing any remediation work that the client would have to pay for in the event of a proven environmental liability. This can arise in the case of an accident, such as spilling of a pollutant, biodiversity damage, fire, contamination of water supply, or from problems with the way the land is being used.

It is also sometimes necessary to take out a supplementary environmental damage or pollution insurance policy because of specific exclusions in the general insurance policies that are held by the land or property owner.

Remediation Costs Have Risen Significantly Both EU and UK laws have been amended recently, with the result that the potential cost of remediation has risen significantly. In both property and liability insurance policies, pollution is frequently excluded from cover. This has led to an increased recognition that environmental liability insurance is important and a growth in the availability of insurance policies that cover environmental risks. However, it is essential to take expert advice before buying a policy, as the risks covered vary widely from one policy to another.

Sometimes the landowner simply does not know the level of risk or possible pollutant involved in acquiring a site or business. However, there are large databases covering this area – it’s important to check that your insurance agent has access to one of these so that they can accurately advise you.

As noted previously, remediation costs can be hard to estimate, so you can find yourself over- or under-insuring because of a lack of clarity on how much a clean-up would cost in various circumstances. An expert insurance adviser will have computer programs that can analyse and accurately estimate remediation costs so that you can be sure you are covered for the correct amount.

There are a number of extra optional areas you may wish to cover. These range from loss of rent to reputational damage, the cost of cleaning up contamination by non-regulated materials or the transportation of possible pollutants from one place to another.

Beware a “Generalist” Approach
Unfortunately, environmental policies that are sold by non-experts can prove almost useless in practice – for instance, if they were drawn up to cover a different type of risk than the one facing the client. One of the key liabilities of a new land or property owner is that they are liable for remediation costs of any contamination on the land if the original polluter cannot be found. Furthermore, even if you contaminate only your own land, you must carry out remediation work at your expense.

Many generalist insurance agents and brokers can accidentally leave their clients without cover for losses that are contamination-related. They can believe that the pollution exclusions …