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New Zealand Offshore Financial Company

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A New Zealand Offshore Financial Company

As the flow of wealth from many nations of tax advantaged, “offshore,” jurisdictions continues the need for and profitability of offshore banking services increases virtually day by day. The problem in this picture is that as the demand for offshore banking services has increased the ease of setting an offshore bank has become more difficult throughout most of the “offshore” world. A jurisdiction that has not suffered many of the problems that inhibit other offshore jurisdictions is New Zealand. A New Zealand Offshore Financial Company provides an excellent opportunity to provide offshore banking services and avoid a number of problems that plague other offshore banking jurisdictions.

The Problem Elsewhere

For those interested in setting up an offshore banking presence in most, but not all, jurisdictions the bad news is primarily related to the United States Patriot Act enacted after the destruction of the World Trade Center twin towers. An offshore bank is typically not allowed to do business with residents of the jurisdiction in which it is licensed but its license allows it to do business throughout the world. To do so the bank will need correspondent banks in other countries. Banks throughout the world that do business with banks in the USA typically need to satisfy certain criteria based on the Patriot Act.

Because many banks are not willing to jeopardize their current banking relationships they will often not take on correspondent accounts with new offshore banks. Sometimes there are, in fact, problems with the jurisdiction or the bank involved and sometimes the bank simply does not want to take a risk of being branded by US authorities.

Because of this situation some jurisdictions no longer offer offshore banking licenses. Some still do but the problem of getting correspondent banks remains so that it has become very difficult to actually do any banking even if an individual or corporation has obtained a license and set up an offshore banking business.

The Opportunity in New Zealand

A New Zealand Offshore Financial Company (NZOFC), also called a New Zealand Offshore Financial Institution (NZOFI) can be set up to provide a whole range of financial services without being called or being a bank. Because there are no capital requirements for setting up a NZOFC such a venture can be entered into at low cost.

Correspondent Accounts, Shell Banks, and Problems Elsewhere

A correspondent account is an account established by a domestic banking institution. It receives deposits from and makes payments on behalf of a foreign financial institution. A correspondent account allows foreign banks to conduct business and provide services to their clients without the expense of a physical presence in that country. Typically the larger bank provides deposit and lending services allowing the smaller, usually offshore, bank to experience a lower cost of operation.

Patriotic Act restrictions prohibit banks from doing business with offshore banks that have no affiliate in the USA. This fact and a number of other restrictions make setting up and running an offshore bank very difficult in this day and age.

A NZOFC, especially with a New Zealand director, will typically not have problems setting up a working relationship with a registered bank in New Zealand.

The NZOFC Alternative

Because of the difficulty in obtaining a banking license and the difficulty, if a license is obtained, of finding a correspondent bank willing to deal with the paperwork many have found a better solution, the NZOFC

A NZOFC or New Zealand Offshore Financial Corporation is not a bank. A NZOFC will not do business with residents of New Zealand which is typical of offshore companies. However, such a company can do business with persons and corporations from throughout the world.

Setting up a relationship with a New Zealand bank will allow the NZOFC to operate internationally.

A NZOFC has no capital requirements. It can take deposits, lend money, offer wire transfer services, and issue credit and debit cards. A NZOFC can provide payment processing services, manage funds, market investments, and deal in a variety of other financial instruments and guarantees.

New Zealand

New Zealand is a good and safe place to do business and to do business from. The country is developed, safe, democratic, and pro business.

New Zealand is an island nation (two islands) east of Australia in the Southern Hemisphere. New Zealand is part of the British Commonwealth. This business friendly nation has always had a democratic government. It is politically stable and functions strictly under the rule of law. This is not a place where the laws change overnight to the detriment of investors.

New Zealand law provides for banking type services to be offered by a number of business entities including finance companies, building societies, credit unions as well as capitalized and registered banks. A finance company is unique in that it is not subject to capital requirements and is not supervised by the governing authority for banks, the Reserve Bank of New Zealand. Nevertheless a finance company can offer banking services throughout the world, restricted only in that in cannot offer services to residents of New Zealand.

New Zealand has a well respected banking system with both Registered Banks and offshore institutions. New Zealand is not on anyone’s blacklist for suspected money laundering, etc. Organizations such as the Organization for Economic Cooperation and Development, OECD, do not list New Zealand as a tax haven. In fact New Zealand is a member of OECD as well as the World Trade Organization.

English is the primary language of New Zealand which was a crown colony and is a member of the British Commonwealth of Nations. The majority of law pertaining to financial institutions is based upon English banking law. New Zealand is not a European Union member and not obliged to follow the EU Savings Tax Directive.

New Zealand is a modern country with first world infrastructure including roads, air transport, telephone, internet, and health services. With broad band internet New Zealand offers no internet related impediments to doing banking business by internet throughout the world. The economy is strong and stable and its professional community functions of a level of competence consistent with the best in the world. Any issues a NZOFC may come up against will be handled professionally and competently with the highest prospects of favorable resolution.


Besides operating under English banking law New Zealand encourages local investment by offshore entities to provide world wide banking services from this island nation. In order to facilitate the set up of financial companies in New Zealand the country has streamlines is rules and regulations to make the application process and running the actual business “use friendly.” The lack of unduly harsh and cumbersome regulations makes setting up a NZOFC efficient and lends toward profitability of an ongoing operation. New Zealand is a good place to do business.

It is possible to set up a NZOFC and offer identical services to those which a bank would offer. However, the cost of operation of a NZOFC will be substantially less than that of a regular bank in New Zealand starting with the fact that the operation will be subject to no capital requirements. A NZOFC can offer online banking services to clients all over the world. In keeping with its policy of attracting business to New Zealand’s shores such a company will have low initial costs and low operating costs compared to a registered bank.

An addition capability of a NZOFC is that it can act as a hedge fund with the attendant possibility of substantial profit. It is also possible with professionally designed financial/banking software to run a NZOFC with minimal personnel thus keeping costs to a minimum too. There are very few limitations to who can operate a NZOFC. NZOFC services are essentially bank services but the company cannot call itself a bank or use the word “bank” in it name. It is possible to obtain private label debit and credit card support also.

A NZOFC will have a director and at least one shareholder. These individuals or corporations can be of any nationality.

Although the paperwork is not extensive and is in English it is best to obtain competent counsel in setting up a NZOFC. A competent advisor will form and register the NZOFC and can maintain the legal aspects of the company. In setting up such an entity it is important to understand those with the knowledge to set things up and that they understand you. In setting up a NZOFC the principals need to have a clear idea of what services they wish to offer and make sure that those services are included in the beginning an ongoing business plan. Knowing tax consequences of the business, for example, will be something that you will want to know up front.

Clear Rules and Regulations under the Rule of Law

As a former British Crown colony and member of the British Commonwealth of Nations New Zealand is a country steeped in legal tradition and law. New Zealand laws pertaining to a NZOFC are based on English banking law, are clear, and reasonably straightforward. As we have noted a NZOFC is not a bank and is not subject to supervision or regulation by the central banking authorities in New Zealand. However, various facets of what a NZOFC does are covered in a number of laws in New Zealand. What this means is that the investor who sets up a New Zealand Offshore Financial Company can be assured that there will be surprise rulings or changes in regulations.

Law pertaining to NZOFC’s are spelled out in a number of statutes going back as far as 1908 with the Bills of Exchange Act, and progressing over the years with the 1952Property Law Act, the Cheques Act of 1960, the 1969 Unclaimed Money Act, the 1971 Stamp and Cheque Duties Act, the Securities Act of 1978, the Fair Trading Act of 1986, the 1989 Reserve Bank of New Zealand Act, the Proceeds of Crime Act of 1991, the Companies Act and Consumer Guarantees Act of 1993, the Financial Transactions Reporting Act and Investment Advisers (Disclosure) Act of 1996, the 1999 Personal Property Securities Act, the Electronic Transactions Act of 2002, and the 2003 Credit Contracts and Consumer Financial Act.

This is not a list that the investor needs to memorize. Certainly none of these acts was written specifically for NZOFC’s. This list is simply meant to demonstrate that the NZOFC is well founded in various statues of New Zealand law. The rules and regulations NZOFC are embedded in the fabric of New Zealand law making it a safe as well as potentially lucrative offshore business setup.

Running a New Zealand Offshore Financial Company

The principal or principals setting up a NZOFC will want to have a degree of knowledge and expertise in various financial matters relating to the services the company will offer. However, the principles need not expect to be expert in every aspect of setting up such an organization from day one. That is what competent counsel and technical experts are for. With the right people an individual or corporation setting up a NZOFC can expect expert assistance with general organization of the company, setting up a bank account in New Zealand or elsewhere, setting up the ability to provide wire services, and all aspects of the application process. With competent assistance the company can efficiently obtain the appropriate documentation and licensing necessary to operate as a bank in all but name.

Much of the work done by a NZOFC will be facilitated by a relationship or relationships with registered banks in New Zealand or elsewhere. These relationships are typically in place already through the advisor and counsel who will help set up the organization. The use of at least one New Zealand resident as a company director will often ease the way in dealing efficiently and quickly with set up and management issues as relate to banking relationships.

An Efficient Setup and Competent Follow up

The proper advisor in the process of setting up a NZOFC will typically have practical suggestions in place for online banking software as well as skilled personnel to help set up and maintain a web presence to attract sit visitors and convert them into customers.

It will typically take four weeks from first contact with your advisor to having all applications and documents done, software programmed, and the business ready to operate.

A NZOFC will need a minimum of one director and one shareholder. It will need to supply one annual audited report of operations and will need to have a local registered office and agent in New Zealand. Yearly fees will run around $5,000 and profits are taxed at a New Zealand corporate rate of 33%. There is an “Approved Issuer Levy” on interest paid to clients of 2%.

As with all businesses thoughtful and careful planning in the beginning will reap rewards and avoid problems in the long run. It is, for example, possible to defer taxes on a NZOFC with the use of the right offshore corporate structure. This is a matter to discuss early with competent counsel. In general, there are many benefits to working, banking, and doing business offshore. It is possible to enhance privacy of business operations by having the NZOFC owned by a trust. To take perfectly legal advantage of such possibilities one need only ask.

A Few Details

Although it will typically take four weeks to set up a functioning business a company name can be reserved and the company legally formed in a day or so. The longer time frame has to do with filing required paperwork and original documents. For someone in a great hurry there are typically “pre-formed” or “off the shelf” companies where the paperwork has already been done. Nevertheless the individual or corporation setting up a NZOFC will still need to make a number of business decisions and still need to purchase software, establish a web presence, etc. so even an off the shelf company will not really be ready to operate the day it is purchased.

Although a NZOFC must have one director and one shareholder it may have more. These individuals, or corporations, may have any nationality. Use of a corporation or foundation registered in Belize or Panama is a common tactic used to legally limit tax liability. By wisely joining two offshore entities from two jurisdictions it may be possible to use one as the lender and payment processor for the other. Such legal strategies as using the NZOFC as an approved issuer can be used to reduce or defer tax obligations.

Although there may well be ways and means to substantially reduce all tax obligations they may become cumbersome and could result in making the business hard to run. Thus the use of wise counsel in setting up the operation will optimize the final result in working out of this business friendly and prosperous offshore jurisdiction.

Although there is no obligation to have a company director from New Zealand the practical fact is that things as simple as walking over a bank to set up an account are easy with a New Zealand director whereas the same could require the time and expense of travel from Europe or North for a foreign director to do the same simple task. It is possible for a non resident to open a bank account on behalf of his or her NZOFC but it may well be something that a busy person in another country will simply not have the time to do.

As the issue of money laundering for terrorism and drug trafficking continues banks will occasionally request information from a NZOFC regarding transactions. This is another matter where having a New Zealand director helps immensely. Up and running NZOFC’s, with at least one New Zealand director, report no problems in this matter because of the ease of communication and trust level involved.

Although corporations may be shareholders and directors of a NZOFC at least one director must be a real person. For tax purposes it makes no difference what proportion of shareholders are foreigners to New Zealand.

The difference in having a foreign business entity as a shareholder is that audited annual reports submitted to the New Zealand Companies office will be posted on the internet only for foreign companies.

When using an “off the shelf” offshore financial company with local “nominee” directors and shareholders the actual directors and shareholders will be added to the roles as they finalize paperwork. What the transfer of operations to the final set of directors and shareholders should take place before applying for a New Zealand bank account. This tactic is commonly used to provide a degree of privacy and asset protection to company beneficiaries. Another tactic, discussed later on, is the use of an offshore trust.

Annual audited reports are necessary when over 25% of the shareholders are foreign residents. Currently such reports by small companies are not required to be submitted to the New Zealand Companies Office registrar.

A “large” company with annual New Zealand Dollar turnover of over $20 million, assets of $20 million, or a staff of over fifty persons, will need to file annual audited reports with the Companies Office registrar.

New Zealand banks will provide credit cards for the NZOFC which typically access NZD accounts. These are both VISA and MasterCard. Offshore banking operations offering credit and debit cards are often easier to deal with and are readily available.

Use of a New Zealand Foreign Trust

There are a number of ways to delay payment of taxes. One is to own the entire NZOFC through a New Zealand Foreign Trust. Typically the trust need not have a New Zealand director. There is a level of confidentiality here that many will appreciate. Taxes eventually need to be paid somewhere but the use of appropriate offshore vehicles in tax advantaged jurisdictions can help substantially in dealing with the 33% corporate tax and 2% issuer levy tax in paid interest of a NZOFC.

Using the Word Bank in the Company Name

Basically the investor does not want to do this as the requirements to notify potential customers that the company is, in fact, not a bank can become cumbersome to the point of driving away potential business. And, it just is not necessary.

Acting as a Bank

Despite never uttering the word “bank,” a NZOFC can offer mortgages and other banking activities, just like a bank or savings and loan. New Zealand does not have licenses for banking activities. Its unique structure for allowing bank operation is part of why the country offers the opportunity for a foreign individual or corporation to set up a NZOFC and operate offshore with the correspondent support of local banks. Operating as a registered bank within New Zealand has an entirely different set of requirements and paperwork.

Managing a NZOFC from an offshore jurisdiction will require that the individual or company look into the laws of the jurisdiction. Typically working as an offshore entity from another offshore jurisdiction will work more efficiently that working from the individual or corporation’s country of origin. Typically companies may do back office and administrative work elsewhere but will make clear to customers that the business is located in and funds are held in New Zealand.

The office setup in New Zealand can consist of a mailing address, fax, and telephone which can forward to any place in the world. It may be wise to have a compliance officer and director located in country for reasons noted above. This and other management issues should be discussed when setting up the business.

The amount of capital required for a NZOFC will depend upon the amount of business it has. There is not minimum requirement as the NZOFC is not a bank. Although the NZOFC may well find it easier to bank in New Zealand this is not a requirement. The company may have any number of bank accounts in as many jurisdictions as it wishes. The problem noted at the beginning of this article is that due to restrictions imposed by the US Patriot Act such relationships with other banks may be difficult to set up and maintain. However, simply banking elsewhere is typically not a problem.

As with banking there are no restrictions on which credit card issuer a NZOFC need do business with. The company will be free to deal with whom ever offers the best rates, has the best software, and offers the best service to the company and to its customers.

A NZOFC may also own other companies, hold shares in other companies, and engage in a number of business relationships, uninhibited by New Zealand law.


Setting up a New Zealand Offshore Financial Company entails no capital requirement. A typical startup cost including all application fees will typically run around $27,000 and annual costs will usually run to around 6 to $12,500 depending on services chosen. These costs are fairly typical for an offshore entity. They are surprisingly low considering the substantial benefits a NZOFC offers.


Most typically depositor will use a debit card for withdrawals. It is possible to use checks but most commonly a consenting New Zealand bank will need to be used to clear checks. Other options include use of SWIFT transfers. If a client wishes to make a substantial withdrawal the company will typically just wire the money to them, minus fees. This is a more efficient means of withdrawal than checking as checking, even with a local bank’s support, will often take well over a month for the check to clear.

Types of Offshore Options for a NZOFC

There are numerous ways to set up a NZOFC to take advantage of the whole range of offshore options available. As working offshore can provide enhanced asset protection and privacy features it may be wise to consider the options when setting up in New Zealand.

One such very attractive option is to set up a New Zealand Special Purpose company to act as a trustee for a New Zealand trust. Then the trust will own the NZOFC. The trust can be administered by nominee shareholders and a New Zealand director plus any others required. In this scenario the trust holds all stock shares and the beneficiaries of the trust are the individuals and corporations wishing to profit from the undertaking.

Although this sort of setup may seem complicated at first the steps are all basic and all covered it the typical setup cost of around $27,000. It is important to note that first year fees are not for a calendar year. They are paid for the remainder of the year up until December 31. Thus a company looking to set up operations late in the year may want to defer starting up until after January 1. All subsequent years are January 1 to December 31.

Typical setup services that investor take advantage of include private label debit and credit cards and scalable banking software as well as ongoing services to guarantee compliance with pertinent laws and regulations, accountant help for tax purposes, help with getting approved issuer status allowing the company to offer term deposits and savings accounts, help with setting VOIP call forwarding services and help with outsourcing other business operations.

Depending upon how much work a company wishes to keep in house and how much it wishes to outsource a NZOFC can work entirely offshore from New Zealand with only a legal presence or it can maintain a physical presence as well. The choices will have to do with efficiency and profitability of the undertaking.

Use of Nominee Services

Those wishing to use nominee services to increase the degree of privacy and asset protection offered by a NZOFC should inquire early in discussions to set up a NZOFC. How this is done will depend up the investor’s wishes and should be set up in a timely manner. The use of nominee services will typically be an extra cost for setting up operations.

Listing of Services Fees

It is always wise in setting up an offshore business to ask for a list of services and fees up front. This should not only include direct services by the company helping set up the operation and application and licensing fees. It should include the cost of recommended, ongoing services necessary to the success of the business. For example, knowing how much a dedicated, private fax line and telephone connected by VOIP will cost to set up and operate will be simply part of good accounting of costs. If the company wishes to outsource web page design and maintenance this cost should be considered up front along with cost of setting up nominee services and the like. Asking about and detailing costs up front is simply good business practice and will offend no one.

How to Start

Contact competent counsel in setting up a NZOFC and other offshore entities and send an email or make a phone call. It is that simple. The process may seem complicated but the professionals who help set up the business will have done it many times before. As noted above a typical time frame is about a month from starting to the process to having a business ready to operate, however express incorporations/setup can be made for a small fee. An email confirmation typically can start the process and money can be wired by a SWIFT bank transfer.

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Benefits of Bing and Yahoo Pay Per Click

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With today’s very competitive online marketing, it is important that a business creates a strong marketing effort to build qualified traffic to their website. Pay per click marketing is one great way of advertising on the Internet. It can bring a steady flow of traffic that can result to potential leads and new sales. Over the years, it has been proven profitable, especially if the business is targeting a segment of audience. Adding Bing and Yahoo to your Google pay per click marketing is worth considering.

Pay per click campaign is based on keyword selection specifically designed to revolve around search terms that are relevant for the site. They are normally the ads that show up at the top and right corner of a search page. Generally, search engines do not charge when displaying these ads, but when a visitor clicks on the ad or the link which lands back to the business’ site, only then, is the advertiser charged.

All throughout the pay per click marketing world, Google is leading all other search engines with their 67% market share. However, what most advertisers do not realize is that with the growing amount of traffic on Google, also comes a number of competitors, still making it hard to hit on search result targets.

So, what is the alternative? Over the last couple of years, Bing and Yahoo pay per click have emerged as Google’s number one competitor. Although, Yahoo’s market share only comes up to 11.6% and Bing’s to 16.7%. When combined, they total of over 30% and this can still make a dent with Google’s share. And for any advertisers who overlooks these numbers could be ignoring a large population of potential customers.

Other advantages of Bing and Yahoo pay per click, include:

  • Pay per click with Bing and Yahoo does not cost as much as with Google. – Many advertisers say that taking Google as their host for paid search is a complete campaign suicide, mainly because of their high costs. Relevant keywords being bid with Bing and Yahoo do not cost as much as $2 to $5 per click as with Google. For instance, one of the most expensive keywords in Google includes “insurance,” “loans,” “mortgage,” “trading,” which usually ranges from $30 to $50 per click. So, if you run a business about loans and need to bid on “house loans” keyword, a business can pay as much as $3500 a month for that particular keyword alone with Google. However, Bing and Yahoo give much more reasonable prices. They have the lowest cost per click, even with the most expensive keywords in AdWords that normally ranges from $0.10 to $2, but still lands in the first pages. More so, they offer long-tail keywords of four or more words, but still at a very reasonable price bid.
  • Bing and Yahoo have demographic advantages. – Although recently, Bing removed their feature to target ads by gender and age as they say they improve it to become more accurate. Bing and Yahoo still have a statistical advantage because 58% of their users are women, and their audiences are from an age group of 35-45 and 55-64, which are definite age groups that can afford to buy as much in the Internet. Furthermore, this is probably because Bing is owned by Microsoft, and they normally put default web browsers that come with the computer a user has bought, not unless of course, if they are tech savvy and knows how to change web search engines in their computers.
  • Bing and Yahoo allow their users to import campaigns from Google – most advertisers admit that they are always having a hard time running separate campaigns in Google, and with Bing and Yahoo as they do their best to update each. Now, AdCenter with Bing and Yahoo allows users to import their campaign from AdWords with Google, without even exporting a single file. This is perfect for advertisers who do not want to spend time editing, exporting, and re-uploading spreadsheets from one account to another.
  • Bing and Yahoo pay per click does not run on Internet Explorer alone – Recently, many adCenter users of Bing and Yahoo requested to expand their service outside Internet Explorer. Now, pay per click may also be run through Mac and Chrome users, including all other web browsers.
  • Bing and Yahoo for mobile – paid search through Bing and Yahoo is made easy as they launched Bing on mobile devices through WAP or GPRS connections. Not only will users enjoy “Find My Location,” applications, as well as driving directions and maps, but they will also be able to search for new information through their smart phones, and this means that pay per click campaigns will reach a much wider audience.
  • Bing and Yahoo have representatives to talk to for free, 24/7. – Microsoft has dedicated customer representatives who are specifically assigned to help Bing and Yahoo AdCenter users, even those that are starting with their Bing and Yahoo ads. They have a range of topics that they can help with, from starting up, to billing, managing campaigns, editorial questions, and campaign reports. In fact, they are even open to suggestions and comments, which is the main reason why Microsoft brought about the freedom for users to use their Bing pay per click campaign on other web browsers. More so, these representatives are always active in social media, so it could be easy to reach them in Twitter or Facebook.
  • Cross-Platform Analytic Reports – With Bing and Yahoo’s adCenter report, it becomes easy for users to compare keyword performance for their pay per click campaign with other search engines, so that they can make the most of their budget.
  • Potentially Better Return of Investments – any pay per click campaign is useless if it does not get positive results. Numerous advertisers have vouched that adCenter pay per click campaigns through Bing and Yahoo drove more traffic than keywords run with AdWords of Google, which significantly gives a better return on investment.

Even with the 67% market share of Google, if combined with costly prices for their pay per click campaign, and with their other seemingly flaws, Bing and Yahoo still strike as a better alternative to Google, and as they make a dent to Google’s ad campaign, soon more and more advertisers will realize the benefits and power of what Bing and Yahoo can offer with the increase of their sales and rapid growth of their business.

Additional Resources

  • Pay Per Click on Bing
  • Pay Per Click on Google
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Top Three Attributes of the Car Accident Lawyer You Should Retain

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Car accidents, including motorcycle and truck accidents, are serious business. They happen every day and, even if you’re the safest driver in the world, they can still happen to you. If you suffer serious injuries from a car, motorcycle, or truck accident, it is vital that you first speak to a car accident lawyer before you reach any settlement with the insurance company, which would like nothing more than to pay you the least amount possible. However, choosing the right lawyer is not as simple as the decision to consult with one. Here are the top three attributes that you should look for in a prospective car accident lawyer to retain.


One of the most critical attributes to look for in a prospective auto injury lawyer is whether he or she actually specializes in car, motorcycle, and truck accident law. As an injured accident victim, you will be relying on lawyer you retain to maximize your recovery from the insurance company. Do yourself a big favor and make sure you retain a lawyer who specializes exclusively in representing auto accident victims.

There are many attorneys in each state practicing personal injury law. However, personal injury law can cover a wide-range of injuries. You don’t want a personal injury lawyer that handles a wide variety of personal injury lawsuits. You want a lawyer that specializes exclusively in car, motorcycle and truck accident law; someone who day-to-day represents auto accident victims.

For example, if needed heart sugary, would you want a general surgeon operating on you or a heart surgeon? Retain a lawyer specializing in representing auto accident victims. This can make a significant difference in how much you recover from the insurance company. You do not have to worry about expert auto lawyers being too expensive for you, because they generally do not charge hourly fees but, rather, a contingency fee.


The second most critical attribute to look for in a prospective car injury lawyer is his or her experience level. It’s not just a matter of being an experienced lawyer, you want an attorney who is very experienced in representing auto accident injury victims.

Following a car accident, the injuries you sustain may change your life drastically. Now is not the time to put your life and the way you are able to lead it in the hands of a rookie. Try to find a car accident attorney with at least five years of experience, ideally someone with experience representing car accident victims against the same insurance company. Consult with a seasoned lawyer who has many years of experience going up against the insurance companies.

However, it’s not just a matter of experience in car accident law. You want an attorney with years of trial experience, because your case may require going to trial.


Finally, when considering a prospective car accident lawyer, you want to make sure he or she has been successful in the past and in the present. There is no point selecting a specialized lawyer with years of experience if he or she has not been successful against the auto insurance companies. It should not be difficult finding out how successful your prospective car lawyer is in representing auto accident injury victims. Just ask! If he or she has a proven track record of success, they will tell you and give you examples. Ideally, they will have been successful for past clients with similar injuries that you have sustained in the car accident.

In the end, you want a car accident lawyer who is an expert, experienced, and successful with respect to auto accident law in your state. Do not settle for anything less. There is absolutely no reason why you would need to.

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Sales Force Automation Software: Business Need

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Sales Force Automation Software was a major challenge before some decades that is successfully superseded by our techno-giants. The entire business community was longing for a system that could control; and monitor the track of sales and marketing activities. Things were getting tougher for an executive or an entrepreneur to manually handle the entire sales process and organizational activities. Moreover, the interaction with the clients was worsened. The answer to all those worries came in the form of this Software.

Streamlines Sales tasks

Sales Force Automation Software basically is another name for Customer Relationship Management Software. Its prime motto is to provide one-to-one interaction of organization executives with their customers. The primitive form of this Software was just for maintaining contacts. But rapid advancement of technology and rigorous endeavors from the technocrats has made it capable of overpowering the entire sales stage.

Online Sales Software handles all the sales tasks easily and gives you accurate sales reports on time. It is easy to use software which fulfills all the needs of the organization. It saves the precious time of the sales team and sales managers.

Web Based Technology

Online CRM Software encompasses cloud computing technology to perform the sales force automation. From Cloud Computing, we basically mean data to be stored in servers that are remotely located and are connected through network. Cloud Computing uses the SaaS module to provide this technology. SaaS stands for Software-As-A-Service. That means, the software needs not to be installed at the client’s computer. It is hosted from a remote server and its complete package can be accessed from there itself.

This Software has sorted out most of the problems faced by the entrepreneurs handling small to big organizations. Its easy usability, portability and anywhere operable flexibility have proved its worth over the previously launched hosted application.

Some Benefits of Online CRM Software over the premise hosted software are:

1) Premise hosted need to be installed to a computer. Thus it gets system specific. You can’t avail the software once you change the software. It can be used anywhere and at anytime, you can access the software any time you required.

2) Online CRM Softwares are cost effective. Whereas premise hosted software are much costlier than that.

3) There is a lot of extra IT infrastructure needed to successfully run premise hosted application. Whereas online application provide all kinds of functional service on a remote access basis.

4) The entire data load in case of premise hosted is upon your system. So, any time, there are chances of data crash and hardware failure. While in case of cloud computing, entire data load is upon the server. So your system is always safe from the impending dangers.

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Addition To The Control of Asbestos Regulations 2006 Proposed By HSE

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It was only in 1983 that Asbestos (Licencing) Regulations introduced the requirement for companies or individuals working with asbestos coating or asbestos insulation products to possess a Health and Safety Executive (HSE) licence.

Another twenty years elapsed before the 2003 Regulations instructed that the relevant authority must be notified of the details to any asbestos work which required a license, at least 14 days prior to the commencement of work. The Control of Asbestos Regulations, 2006 unified all previous prohibition and licencing regulations into one comprehensive reference document.

Following correspondence with the European Commission, the HSE is presently in consultation on plans to once again modify aspects of the 2006 Regulations. The aim is to more accurately reflect current levels of health risk concerns to companies and organisations who come into working contact with chrysotile white asbestos, estimated to be still present in a half a million premises around the UK.

Despite the continuing asbestos awareness campaigns of HSE, inconsistency of working knowledge and methods by construction firms and premises owners to the necessary actions required when first inspecting site building, encountering, containing and disposing of asbestos material.

Despite being banned from the 1980s onwards, white asbestos continued to be used in insulating materials such as wall board, wall coatings and cement products found in a wide variety of commercial and domestic building applications.

Currently, there are two existing categories of asbestos work:

1. Licensed asbestos work

2. Non-Licensed asbestos work

Currently, non-licensed work is exempt from requirements to:

– Notify work with asbestos to the relevant enforcing authority

– Carry out medical (respiratory) examinations

– Maintain registers of work (health records)

– Hold an asbestos licence

– Have arrangements to deal with accidents, incidents and emergencies

– Designate asbestos areas

While the licensed asbestos work category remains unchanged, HSE propose to modify non-licensed asbestos work by introducing additional measures for short duration exposure to ‘friable’ ( fragile and disintegrating) or ‘damaged or degraded’ asbestos. A new category of asbestos work is to be introduced in addition to the two existing categories.

3. Notifiable Non-Licensed Work (NNLW).

Work under this new category will be exempt from requirements to:

– Hold an asbestos licence.

– Have arrangements for accidents, incidents and emergencies.

– Designate asbestos areas.

However, work under the new category will require employers to:

– Notify their work with asbestos to the “relevant enforcing authority”.

– Carry out medical (respiratory) examinations.

– Maintain registers of work (health records).

HSE propose that requirements for notifying work with asbestos, health records and medical surveillance will not apply where:

a) Exposure of employees to asbestos is sporadic and of low intensity.

b) It is clear from the risk assessment that the exposure of any employee to asbestos will not exceed the control limitwhere the work involves –

(i) Short, non-continuous maintenance activities in which only non-friable materials are handled.

(ii) Removal without deterioration of non-degraded materials in which the asbestos fibres are firmly bonded in a matrix.

(iii) Encapsulation/sealing of asbestos-containing materials which are in good condition.

(iv) Air monitoring/control, and the collection /analysis of samples to confirm whether a material contains asbestos.

Existing regulations do not specifically require the asbestos to be ‘non-friable’ or ‘non-degraded’ and the European Commission also seems to require a respiratory examination of industry personnel every three years due to uncertainty of not will knowing if there has been an encounter with asbestos in ‘notifiable’ situations.

Throughout the twentieth century and right up until the present day, dangers of asbestos exposure were continually ignored by building trade personnel or building owners. As a result, joiners, plasterers, plumbers, electricians and other operatives would be constantly at fatal risk of inhaling deadly asbestos fibre dust, which remains permanently embedded within the linings of the lungs and would develop into asbestosis disease or the malignant incurable cancer, mesothelioma.

The first asbestosis symptoms would not appear until some 15 to 50 years later, often at an advanced stage when prognosis would be between 4 to 18 months.

In the UK, the number of deaths from mesothelioma has risen to 2, 250 in 2008 and over 2,000 diagnosed cases are recorded each year.

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Outsourcing Your Plastic Surgery Marketing

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As a plastic surgeon you set yourself apart from other doctors. Every day you prove your expertise and skill by sculpting and shaping clients into the people they want to be. That is why it is a good idea for you to do what you do best and let marketing experts do what they do best. Hire a professional plastic surgery marketing team and let them increase your client base.

What an SEO Professional Can Do For You

An internet marketer is skilled at optimizing your website for higher search engine ranking. The whole idea behind marketing is being seen and a professional knows how to get you seen better than anyone. He has spent years creating ways to grab the attention of the consumer. Just as you have spent years perfecting your skills.

It would take you just as long to learn how to successfully market your business. You didn’t learn how to be a plastic surgeon just by watching the techniques on television or by reading a few books. You learned hands on with the guidance of a professional. A marketing expert learned in much the same way.

Don’t Try to Do Everything

When you try to do everything on your own you end up stressing out and making mistakes. A few plastic surgery marketing mistakes can cost you quite a few clients. But, if your stress causes mistakes in your practice, then you are really in trouble. You could even lose your license. Outsourcing your marketing strategies takes away all of that stress.

A marketing expert can create a social media marketing campaign, an email campaign, create online videos and a slew of other effective promotional techniques to get your name out on the internet and a high search engine ranking. An SEO expert knows how reach a targeted audience that have already shown an interest in having plastic surgery.

Another good reason for hiring a professional is that the industry is constantly evolving. Once you think you know everything about plastic surgery marketing, things change. The techniques that worked yesterday may not work today. A professional marketer stays on top these changes and changes with them.

People like getting instant answers and that is what Google is all about. They just type in what they are looking for and in an instant they see over a hundred thousands results. If your website is down near the one hundred thousand mark, no will click on your link. If you are in the top five, you will have much more success. A marketing expert can get you into that top five.

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How to Stop Being Resigned to Living With an Alcoholic

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Alcoholism is an illness that can be much harder for those living with an alcoholic than it is for the alcoholic. Those with an alcoholic parent or spouse know the hardship of constantly worrying that their loved one will drive while intoxicated, sell personal valuables in order to finance their habit or go on a binge and disappear for days.

For many living with an alcoholic means constantly worrying about paying the bills, having to clean up after their alcoholic loved one, looking out for various signs of alcoholism, dealing with abuse, and even being unable to sleep from fear of what will happen next.

Instead of allowing or becoming resigned to the situation you must fight back. This is the only way to ensure better future! Use these top 5 tips to make a positive change to your live.

1. Take an honest look at the alcoholic: Recognizing the line between social drinking and alcohol abuse is not always easy to identify. Although an individual who only drinks a few glasses during the weekend might not be considered an alcoholic, anyone who drinks to the point that it affects their regular life can be considered to be abusing alcohol.

Talk to the alcoholic parent or spouse. Sit down and ask them why they drink. Discus worrying symptoms that indicate alcoholism such as drinking to the point of blacking out, needing to drink to feel better about their life and feeling ashamed over their drinking habits.

2. Let the alcoholic accept the consequences: To get out of resignation, let the alcoholic experience the negative consequences of drinking and do not let yourself take on responsibility for their actions. When living with an alcoholic do not call in for them if they miss work, never purchase alcohol for them, do not help them to bed or cleaning up the empty bottles after they have been drinking. To stay out of debt and get them to see how bad the situation has become do not buy alcohol for them or give them money to buy more.

3. Accept the reality: To change your life with an alcoholic parent or spouse, you need to accept the reality. Do not live in denial or make excuses for the signs of alcoholism being displayed. You should also not feel guilty or try to threaten or bribe them into giving up alcohol. Instead, deal with your own emotions, because this is the only thing you have power to control.

4. Do not engage: When living with an alcoholic, you are likely to notice that when heavily drinking they may start arguments, throw items around, or become verbally abusive. Do not allow yourself to be drawn into playing mind games or involved in fights! Make sure your spouse experiences being loved by you but detach yourself from the situation. If needed, leave the house for a few hours or go out with friends. By not accepting the outburst and bad behaviours they will see even faster that they need help.

5. Get Support: The road to recovery will not happen in just a few weeks or months. For some the process can take years! To get the emotional support needed to recognize and treat the signs of alcoholism therapists, support groups, online forums and even eBook systems can be accessed.

These treatment methods are enormously helpful for both the alcoholic and the individuals living with an alcoholic.

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