Singapore Divorce Lawyers: Helping You Navigate the Difficult Waters of Divorce

Even if a relationship has grown toxic or even abusive, there’s no denying that the divorce process can be extremely difficult. It can be filled with all sorts of difficult-to-handle emotions, anger, depression and resentment. In these situations, it may be hard for a person to have a level head on their shoulders when negotiating a divorce settlement. This is where the representation provided by Singapore divorce lawyers will be essential.

The good thing about a divorce lawyer is that they can help people understand the nuances of divorce law in Singapore. For example, most people are unaware that a couple will have to live separated from each other for up to three years before a divorce can be granted. There are also stipulations in which a divorce may or may not be granted. There has to be a specific reason and sometimes, that reason has to have some viable proof in order for the courts to agree that a couple can move forward in the divorce process.

As touched on earlier, with the emotions involved in dissolving a marital relationship, negotiating a divorce settlement, whether it’s dividing assets, handling custody of children or any other source of financial recompense, can be extremely difficult. With a person being tossed about by their emotions and feeling a range of negative feelings, it may be difficult for a person to focus on negotiating a divorce settlement that is in their best interests. The help of a divorce lawyer is integral in this situation. These divorce lawyers can represent their client’s best interest and can handle the settlement proceedings even if their client is emotionally unable to cope with some of the difficult emotions that are so common in the divorce process.

If you’re thinking about divorce or your spouse has informed you that they no longer want to be married, it’s important that you have legal representation. It’s easy for your best interests to be undermined by a divorcing spouse and the only way to stop that from happening is having an attorney there to represent your best interests. Whether it’s gaining custody of your children or negotiating child-support payments, a divorce attorney is essential.

Motorcycle Wrecks and Personal Injury Attorneys

Inattentive Turns and Motorcycle Accidents in Oklahoma

Riders of motorcycles involved in accidents often times suffer severe injuries or even die, this same fate often impacts impacts all the parties involved in the wreck.. There exist several explanations for why motorcycle wrecks happen in Tulsa, Okla. causing a great majority of persons to feel the motorcycle rider is normally the cause or otherwise at fault. A large portion of motorcycle accidents that involve at least one car and a motorcycle occur when a motorist is making a left-hand turn and collides with a motorcycle lawfully traveling in the adjacent lane, or passing through an intersection.

Injuries Caused by Oklahoma Motorcycle Accidents

When these dangerous accidents occur, those involved may be left with life-long injuries that require substantial and continuous medical care, or worse, death. In 2012, eighty-three (83) motorcyclists were killed as a result of motor vehicle accidents in Oklahoma. This accounted for 12.5% of all fatal crashes in Oklahoma that year. Some people may look at this and believe 83 isn’t are very large number, while others may believe this is an alarming statistic. Sometimes wrecks on motorcycles happen without being able to determine fault of any of the parties. However, a large number of motorcycle accidents are preventable if all motorists pay attention and respect each other on our Oklahoma roadways.

How Left-Hand Turns Can Cause Catastrophic Motorcycle Accidents in Oklahoma

The small size of motorcycles inevitably puts motorcyclists in a more vulnerable state when operating on our roadways. Other motorists driving cars, trucks, vans and other larger motor vehicles must share the roadways with motorcyclists and be on alert that a motorcycle could be traveling nearby. by far its simpler for car and truck drivers to spot fellow drivers in the event they are turning right. However, when cars make left-hand turns, they must look more closely to ensure there are no other vehicles passing by. If other drives don’t pay attention they place motorcycle riders and everyone else in danger.

Motorcycle accidents caused by a car’s left-hand turn may occur when a motorcyclist is going straight through an intersection, and a car turns left directly into the motorcyclist. Such accidents may also occur when a car is passing the motorcycle, and changes lanes without awareness that a motorcycle is in adjacent lane. Or, such accidents may occur when a motorcyclist is trying to pass a car on the highway, and the car is changing lanes without awareness of the motorcycle. Regardless of how the left-hand turn ultimately results in a collision with a motorcyclist, the aftermath of the accident could result in injuries including, but certainly not limited to, the following:

1. Broken and/or crushed bones;

2. Soft tissue injuries (i.e.muscles ripped or torn, ligament tearing;

3. Traumatic Brain Injuries (TBI), and other head injuries, such as concussions;

4. Spinal cord injuries;

5. Damage to internal organs;

6. Internal bleeding;

7. Burns;

8. Wrongful Death, and bodily disfigurement.

Consequences of Motorcycle Accidents in Oklahoma

If you or a loved one has experienced injuries such as those listed above, you know all too well how the consequences go beyond physical pain. You face emotional pain and trauma, significant financial hardship in the form of expensive medical treatment, prescriptions, physical therapy, and other associated medical costs that may last for a lifetime. Also, when the accident causes you to be unable to work, and as a result have lost your income, you may be able to apply for certain government programs that offer financial assistance.

Ways To Avoid Motorcycle accidents in Oklahoma

All of these hardships will not be suffered if unnecessary motorcycle accidents simply did not occur. Vehicles making left-hand turns must be aware of all surrounding motorists, looking very closely before turning, and taking into account any blind spots that may be blocking your view of a nearby motorcyclist. These precautionary steps can save lives and prevent serious harm to fellow Oklahomans.

Contact a Motorcycle Personal Injury Attorney in Tulsa Oklahoma

When another party is responsible for causing you or a loved one harm, you may be entitled to compensation for your suffering. If you have been injured by other drivers negligence don’t go it alone. A good personal injury attorney can help you to get all the compensation that you require. Tulsa Personal Injury attorneys deal with insurance companies on a day to day basis and are aware of the ways they avoid paying what you deserve.

Sheona Kerr is an author and publisher of many personal injury articles and blogs in Oklahoma. Her articles have dealt with personal injury cases ranging from Motorcycle accidents, car accidents,slip and falls and nursing home abuse. She is employed in a Personal Injury Law Firm in Tulsa Oklahoma.

Understanding More About The No Win No Fee Compensation

A society in which everything is commercialized is nothing better than rot. In fact, there is no better way to describe or explain corruption rather that the purchase of freedom, satisfaction and justice. In the recent past, “justice” was reserved for the wealthy. It is pitiable when a case comes with both parties having close to equal amounts of wealth. Seemingly, the justice would never be served. Fortunately, the no win no fee compensation has ensured that justice and fairness had its meaning restored. The sanity of our courts and their roles were equally reinstated.

The policy in 2013

17 years after individuals enjoyed the no win no fee compensation policy, it went through a couple of changes in 2013. Did the changes improve the policy to promote justice or did they come to deny justice from being served once more?

There was the thought of the no win no fee compensation culture becoming uncontrollable back in 2008. Statistics revealed the slow and steady rise in the number of claims being reported. The media played its part that reflected of a litigious society. Hence, several organizations and public bodies felt the threat of being sued leading the state to make adjustments on the policy.

Several bodies were made to carry out researches and make their recommendations. It is unfortunate that the entire state overlooked the exact problem and bought the thoughts of the people. Hence, even when the researches were being conducted, it was certain that changes would be made. This happened in 2013.

When the new changes were made, the policy took a new turn. Therefore, whenever you make a claim and win, you will not be expected to pay any legal fees. Nonetheless, you may have to pay at most 25% of your compensation to your lawyer. The amount is known as a conditional fee arrangement. It follows that you will not have to pay any fees when you pursue your claim but you will meet the costs of the success fee.

On the other hand, you could make a claim and lose. Similarly, the initial fee for filing the claim will not be charged. Instead, you will have to pay for the amounts that will be demanded for by the send party. Fortunately, the insurance company that was called when the process began will take care of paying the compensation. As a result, you will be free from paying the substantial fee. Also, you will receive no compensation because it is obvious you will have lost in the claim.

With the no win no fee compensation policy, anyone can make claims and be sure to have justice. Additionally no one loses anything. Rather, the winning party will be compensated. Therefore, you should not be afraid of making claims anymore.

For more about the no win no fee compensation please visit our website today just click here

Section 185 of the Companies Act, 2013 and its impact on lending transactions

Section 185, effective from September 12, 2013 and Section 186, effective from April 1, 2014 are two provisions of the (“Act”) which have created much anxiety among the business community because of its direct impact on capability of the businesses to raise finance.

A bare reading of Section 185 of the Act, suggests that advancing of loans or giving of corporate guarantee or providing any security by any company (for the purposes of this article, the “Lending Company”) to a firm and/or body corporate with common management with such Lending Company is completely proscribed. Also prohibited are transactions where the Lending Company is advancing loans, providing security or guarantee to body corporate, the management of which is accustomed to act in accordance with the direction or instructions of the board of directors/or any director of such Lending Company. No guidance has been provided as to what constitutes “acting in accordance with the direction or instructions of the board of directors/or any director”. Furthermore, this provision has been made applicable both to the public and private companies and even the provision of undertaking such transactions with the approval of the Central Government (as under Section 295 of the Companies Act, 1956) has been omitted under the new Act.

The compliance of Section 185 of the Act has been ensured by putting in stringent punishments for contravention, the fine being as high as Rs.5,00,000 (Rupees Five Lakhs) extendible to Rs. 25,00,000 (Rupees Twenty Five Lakhs) for the Lending Company. The director or any other person to whom the loan is advanced or guarantee or security is given or provided in connection with any loan taken by him or the person shall be punishable with imprisonment which may extend to six (6) months along with a fine which shall not be less than Rs.5,00,000 (Rupees Five Lakhs) but may extend to Rs.25,00,000 (Rupees Twenty Five Lakhs) or both. The stakes being this high for both the Lending Company and the persons receiving such loan and/or the benefit of the guarantee/security, makes it very important to understand the nuances of this provision.

The following transactions are permitted under Section 185 of the Act:

  1. Any loan provided by a holding company to its wholly owned subsidiary company for its principle business activities.
  2. Any guarantee given or security provided by a holding company in respect of any loan for funding the principle business activities of its wholly owned subsidiary company;
  3. Any guarantee given or security provided by a holding company in respect of loan made by any bank or financial institution to its subsidiary company for its principle business activities;Even though ‘principal business activity’ has not been defined under the Act, generally the activities provided under the main objects of the memorandum of association should qualify as a principal business activity of that company.
  4. Any loan advanced or guarantee/security provided by a company, which in its ordinary course of business provides loans or gives guarantees or securities for repayment of any loan, provided that such loans shall not be provided at an interest rate less than the bank rate declared by the Reserve Bank of India. No loan may be given by the Lending Company at an interest rate lower than the prevailing yield of one year, three year, five year or ten year government security closest to the tenor of the loan.The phrase ‘ordinary course of business’ has also not been defined under the Act. This is because there can be no universal meaning ascribed to it. What is ordinary for one entity or one type of business or one sector or even one region may not be so for another. However, based on judicial precedents and keeping in view the intent and purpose of the provision, a transaction can be said to be in ‘ordinary course of business’, if:
  1. The Lending Company has in the past provided loans/guarantees/securities to such entities as a matter of routine.[1] The frequency of such transactions[2] and a certain amount of continuity is imperative as ‘business’ itself implies carrying on a particular trade or vocation as a ‘continuous’ activity by application of labour, skill and money to earn the income. [3] Also, important is that such transactions have been appropriately disclosed in the financial statements of the Lending Company for the past years.[4] The disclosure of such transactions in the financial statement indicate that such activities were being carried on normally in the usual course of business, specifically inclusion of the amounts involved as ‘business income’ gives further credence to the fact.
  2. The memorandum of association of the Lending Company allows for such transactions i.e. the providing of loans/guarantees/security to other entities should be part of atleast the incidental or ancillary objects of the memorandum of association. The Courts have not been uniform in their ruling with respect to the significance of the objects clause of the memorandum of association in making this assessment. The Courts also differ on whether an activity is in ‘ordinary course’ only if is part of the main objects or whether an activity ancillary to the main objects may also be considered so.[5]
  • The Lending Company has passed a board resolution, specifically, categorising the transaction as being in ‘ordinary course of business’. Also, the board should have examined the transaction from the perspective of Section 185 and should have resolved to undertake the same. The consent of all the directors present at the meeting should have been obtained in accordance with Section 186 (5) of the Act. Whether a transaction is in the ‘ordinary course of business’ is a question of fact and a board resolution is important in making this assessment.[6]
  1. The loan documents/security documents executed for the purpose of the loan/security/guarantee provided by the Lending Company should contain a clause stating that the transaction contemplated therein is in ‘ordinary course of business’.
  2. The transaction should be conducted at arms’ length basis and appropriate disclosures should be made with respect to the interest of any management of the Lending Company in the entity receiving the loan, guarantee or security. Ultimately the aim of Section 185 is to prohibit related party transactions where the Lending Company provides undue advantage or gain to any other entity related to the management of the Lending Company and to avoid conflict of interest scenarios for directors of such Lending Company.
  3. The Lending Company (not if it is a banking company or an insurance company or a housing finance company providing the loan/security/guarantee in ordinary course of business or company engaged in business of financing of companies or of providing infrastructural facilities[7]) should have complied/should comply with the following conditions under Section 186 of the Act:
  1. The loan or the guarantee/security to be provided should be within the limits prescribed under Section 186 of the Act i.e. it should not exceed the higher of 60% (sixty percent) of the paid up share capital, free reserves and securities premium account or 100% (one hundred percent) of its free reserves and securities premium account. Alternatively, if the giving of loan, security or guarantee is beyond the prescribed limits the Lending Company should have obtained special resolution of its shareholders in the general meeting.
  2. The Lending Company should disclose to its members in the financial statement the full particulars of the transaction, including the purpose for which the loan or guarantee or security is proposed to be utilised.
  3. The prior approval of each of the public financial institution from which the Lending Company has availed any term loan should be obtained in case: (1) the loan or the guarantee/security to be provided by the Lending Company is beyond the limits prescribed under Section 186 of the Act; and/or (2) the Lending Company has defaulted in repayment of loan instalments or payment of interest as per the terms and conditions of the term loan availed from the public financial institution.
  4. The Lending Company should not be in default of repayment of any deposits or payment of interest.
  5. The Lending Company shall have maintained a register in Form MBP 2 as per Companies (Meetings of Board and its Powers) Rules, 2014 and enter therein the particulars of loans and guarantees given, securities provided by it.
  1. The borrowing company shall have obtained requisite special resolutions under Section 180 (1)(a) and Section 180 (1)(c) of Act, if applicable.

Popular Views in the Market

One view in the market is that as Section 185 of the Act begins with ‘Save as otherwise provided in this Act’, it should be subject to Section 186 of the Act, implying that any transaction permitted under Section 186 should be permitted under Section 185 of the Act. However, this view makes the very existence of Section 185 redundant which could not have been the intent of the legislature. Such an interpretation of Section 185 should be avoided.

A popular method being used by financers/investors and creditors to comply with Section 185 is to make the Lending Company providing the security or guarantee a co-borrower to the lending transaction. This works well for some transactions but in other cases group companies are found reluctant to undertake such responsibilities.

Also, financers/investors/creditors have been seeking organisational restructuring of holding and subsidiary companies including eliminating common directors and other senior management to avoid falling within the purview of Section 185. For further comfort, certificates of non applicability of Section 185 from the company secretary or a director of the Lending Company is being insisted upon as pre-condition to such lending transactions.

Conclusion

One must look at Section 185 of the Act in the right spirit in which it was modified from its predecessor provision under the Companies Act, 1956. The objective was not to hinder business and financing of businesses but was to discourage related party lending transactions which bred favouritism and nepotism. Any transaction should be tested on the anvil of Section 185 of the Act while keeping this in mind.

A Quick Guide To Making PPI Claims

Payment protection insurance (PPI)is a policy that plays a huge role of helping you to cover payments on loans and credit cards if you are unable to work through accident, sickness or unemployment.

If you feel that this insurance policy has been mis-sold to you, you should make a PPI claim. There are a number of reasons that can make you feel like you were mis-sold PPI. Some of the reasons that can make you feel that you have mis-sold PPI are:

• You were forced to take PPI by a pushy salesperson.

• You were told that the insurance was compulsory

• You were provided a quote for your product with the insurance included

• You were informed that back problems and stress were excluded from the insurance

• You were asked about any pre-existing medical conditions or you were warned that the medical conditions could affect your insurance.

• You were not asked whether you are retired, self-employed, part-time employed or unemployed.

• You were told that you couldn’t cancel the insurance without taking out a new credit agreement

If any of these things have happened to you, you should highly consider filing for a PPI claim. To increase your chances of being successful in your claim, you should prove that you have a valid claim. The best way of proving that you have a valid claim is collecting all the paperwork from credit cards, old loans, and other agreements.

If you have an open credit account with your PPI provider you should ask the provider to give you the terms and conditions for your PPI agreement. Some providers will give you the terms and conditions for free while others will charge you.

If your provider has to charge you, he/she can’t charge you more than one pound. To avoid back and forth posts, you should include a cheque payable to the value of one pound.

If your account is closed and dates back a few years your provider might not supply you with the terms and conditions. Here you need to submit a data protection Act subject access request.

Once you have the documents to prove your claim, you should now make your claim. There are two ways of making your claim:

• By writing to your lender yourself in order to make your complaint and explain your case

• Using a PPI claim service who will handle the entire process for you

When making your claim you should check your lenders website for any information that might help you with your claim.

If your lender refuses your claim you should take your case to the financial Ombudsman

Visit our website to reclaim PPI and claim back PPI 247

daltbam injury Dublin

Altbam Damage is just a lawyer focusing on injury situations, and contains only released a brand new site to assist their solutions are discovered by these within the The West of Ireland.

While people become hurt consequently of operating about the streets, the effects could often be serious, and also have a heritage of therapy, decreased flexibility, continuing discomfort and much more that lots of people frequently neglect to assume. For this reason it’s not therefore unimportant for people in an incident to consult with a personal injury attorney, to make sure they obtain payment suitable for their accidents. Daltbam Damage it has released a brand new site to advertise their companies online, and provides free preliminary services.

The West Ireland parts of Cork, Clare, Tipperary and Limerick,Daltbam injury dublin by adding typical research language, the brand new site continues to be locally enhanced to attract guests from these places to satisfy internet search engine algorithms’ requirements. The web site was created to place masses effortlessly, and content-first on any system. It actually features a contact type for people to immediately find an appointment.

Daltbam Damage in addition has produced a movie release make recognized their dedication to quality in consumer experience and to review their providers. Whether it’s road and incident claims (http://daltbam-injury.com/street-and-incidents-claims/) or personal injury claims (http://daltbam-injury.com/personal injury-claims/) the company is available and prepared to assist.

A representative for Daltbam Damage described, “We handle every situation independently and spend some time observing the individual, their conditions, their lifestyles and also the ways their damage has influenced them to be able to create a completely knowledgeable evaluation of the claim, and set the most payment feasible whenever we follow a claim. Customers are represented by us no-fee schedule, on the no-win. Your site continues to be made to market much more and these ideals, so once they uncover our services online people may feel comfortable dealing with us. We anticipate meeting new customers really soon.”

About Daltbam Damage: Daltbam Damage is just a lawyer with the capacity of managing all degrees of death circumstances and injury, may it be a slide, a-road traffic incident, journey or fall at work. They’re An Individual Injury lawyers company located by having an office in Dublin in Limerick. They concentrate on Injury statements from the surrounding areas of Limerick, Tipperary, Clare and Cork and also automobile accidents in Limerick.

5 Important Things to Put on Your Divorce To-Do List

For any family, divorce always proves to be a period of stressful transition. To make the process easier and make everyone involved move forward faster once the outcome is final, you need to be organized and stay on top of things. In addition to the meetings with attorneys and court dates and various other issues you need to remember, it is also important to put these five tasks on your to-do list during or shortly after your divorce.

1. Set Aside Money for Expenses

Divorce being expensive is almost a fact of married life. You want to make sure you budget properly, even if you choose a less expensive legal option, such as mediation. Additionally, you should plan for unexpected costs during the proceedings, such as meals away from home, parking charges at the courthouse, and other miscellaneous expenses that tend to mount up. You need to set aside money during the process to help cushion the financial blow because sticking to a regular budget is tough during this transition and your budget changes based on the divorce, too.

2. Assemble a Team

Although most people instinctively decide to retain an attorney at the beginning of the process, few understand how beneficial it can be to assemble a team of experts to help you. Having such a team on hand to provide assistance to both parties not only saves you money on litigation expenses in the long run, but also make the process more amicable. In addition to your attorney and/or a mediator, consider working with a financial expert, a forensic and/or business CPA/accountant, a real estate professional, and a child development specialist.

3. Make New Health Insurance Arrangements

If your spouse is the principal account holder in your health insurance policy, getting divorced means you will no longer be covered by it, and vice versa. And because finding one that would match your new financial situation might take a while, it is important to search for a new policy as soon as possible.

4. Maintain or Open a Bank Account and Credit Card in Your Own Name

After your divorce, you will once again be solely responsible for your finances and credit score. Moving on with your new life means you need to re-establish yourself financially. To avoid confusion, some experts even recommend moving to a different bank than your spouse.

5. Update Your Beneficiaries

Chances are your spouse is listed as your beneficiary on your life insurance, retirement savings, and other forms. You will want to update this information as soon as possible in case an emergency occurs.

It can be overwhelming for everyone to prepare for divorce and organize their life after it. Speak to a divorce expert in your area if you need help getting everything under control.

If you have any questions about child custody mediation, please call John Powell III at 281-870-2053 and schedule a free 30-minute consultation. John is based in Pearland, Texas and has represented persons in literally hundreds of divorces to resolve their conflicts amicably with less expense & time.