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los angeles personal injury lawyer

Finding The Lawyer, Who Will Win Your Personal Injury Suit/p>

If you’ve ever been involved in a personal injury accident, you will know that it is a time of concern and confusion. However, if you know how to retain the right personal injury lawyer and you know how to proceed with the case, then it does not have to be all doom and gloom. You should go over this article to learn more about the challenges you will encounter while dealing with your personal injury case.

As you are assessing damages you have incurred from your injury, be sure to note lost income. This will document all of the times where you lost money due to your injury. Also be sure to include any money you lost due to classes you needed to skip.

Finding a great lawyer to assist with your personal injury needs can be difficult. Nonetheless, you can find experienced and qualified personal injury attorneys if you know how to look. The more you know about the process of selecting an attorney, the better your odds are of finding someone who will help you earn a hefty settlement and take care of your bills.

Find the best personal injury lawyers through the web. This should give you a lot of information to work with while trying to make a decision. You will get the best results from an attorney that has experience and many successful cases.

Before making a decision, learn about how big the firm is. If you have a big lawsuit, you need a big firm to support you. On the other hand, if your case is modest, it’s probably not necessary to hire a high-profile firm.

Personal injury victims often feel utterly daunted by the process of trying to secure compensation from those responsible for their misfortune. However, with the help of an experienced personal injury attorney, the process becomes easier as he tries to get you the best results possible. Above all else, it is important that you are prepared and knowledgeable about the personal injury court process if you want to be successful.

Visit los angeles personal injury lawyer for more info

The Grand Plan

The Grand Plan is an upcoming 2015 American action Science-Fiction film. The film will be produced by Gilt Entertainment of Palm Springs, California, USA.

The script has been written by Romanian screenwriter Cociarjuc Viorel, with co-writer Marlene Mendoza, the latter is CEO and producer of Gilt Entertainment.

Marlene has 25 years of experience in casting, marketing, film finance, business consultant, film productions, developing marketing management strategy, sales, advertising techniques for reality TV, film and other media, including mentoring, business consulting & public relations. Besides running her own independent film development company Gilt Entertainment, she also heads her own talent management company with clients worldwide. She is presently a Music Producer of the talented Agniya Trovami a beautiful Russian singer living in Germany. They’re open to major music co-production to take it to the next level.

Gilt Entertainment is an independent global film development, high end story and production company. They have a strong diversified presence in motion picture production, and digital distribution for home and family entertainment. They provide production, business consulting, marketing director, and talent management services. They have also a blueprint for growth that combines the flexibility and entrepreneurial culture of an independent with financial and strategic relationships worldwide.

Their promise is to create stories with substance, and give creative freedom to actors and filmmakers along with a share in their profits.

The mission statement for the company will be to put ethics first and foremost within their global teams, in marketing research, preparation, writing, interviewing, presenting, development and production of the product or service.

Their newest venture that Marlene Mendoza co-wrote with Viorel Cociarjuc called “The Grand Plan” is a sci-fi /action film with Marlene Mendoza, producing for the Sci-fi Channel.

The Grand Plan – Synopsis

A man is sent into Big Bang, by God, to place an advanced script, called Earth. “The Grand Plan” is the story of Arthur Williams, a man who thinks everything’s in vain. Everything changes, when he finds out an evil man is looking for him.Robert, the one responsible to bring Arthur safe into a secure location, tells Arthur he’s in great danger. Arthur follows Robert, and meets up with the team assembled by Evan. Arthur meets Karen, a beautiful woman, and with Jason, a crazy scientist.

Knowing of his grandfather expedition in Turkey, Arthur discovers, his grandfather had a message written in his DNA, due to his expedition in Turkey.The message was submitted further, into Arthur’s father, who died into a plane crash, and ultimately into Arthur’s DNA.The message mention the location of the Secret of Secrets.

Charles, the villain of the story, tries also to find the location, and in the end, the group arrive beyond the bottom of the Pacific ocean, where they found out, that every single thing happened in the Universe, was thought of, before the Universe born.They discover they are living into a limited space, with limited ideas.

Understanding The Importance Of Personalized Gifts

Giving personalized gifts to your family member, relatives or friends, shows that you care for them. In fact when someone receives a personalized gift, they will cherish that gift for a lifetime. It creates a powerful impact on them. Personalized gifts allow you to grace the occasion and give special importance to the recipient of the gift. You can personalize things such as coffee mug, jewelry box or a travel bag. You can almost think of anything that can be personalized. Here are 4 important reasons for using personalized gifts. They are as follows:
1)Personalized gifts are reasonably cheap:
Customizing a gift is cost effective. It sounds to be expensive but when you actually pay for a customized gift, you will realize that it does not involve any financial burden. Just by spending few dollars, you can add personal details to a gift or even engrave a special message on it.

2)Personalized gifts are unique in their own way:
People like to receive gifts and what more can you ask, if its a personalized gift. It is not essential to give a personalized gift in order to bring joy to the recipient of the gift. However, a personalized gift adds a special flavor to your expression towards the person who is receiving the gift.

3)Personalized gifts reflects your true appreciation towards the person:
When you give a personalized gift to a person, you are expressing your care towards that person. By making the gift personalized, you are honoring that person and you are showing how much you truly value him.

4)Personalized gifts can be used for various occasions:
A personalized gift can be given to a person on various occasions, such as wedding anniversary, birthday gift or it could be even used for just spreading holiday cheer with your personalized Christmas present.

5)Personalized gifts can also be created through your own creative ideas:
You can use items like handbags and purses, wash bags and even laptop bags as personalized gifts by including photo or images of you and the recipient. This type of personalized gift will always make the person think of you as long as the recipient uses the gift. However, while choosing a personalized gift, keep in mind that you are purchasing something for the recipient and not for yourself. Keep this vital tip in mind before you finalize a personalized gift for someone.

It is a known fact that a gift that is personalized, can stand out in a way that the person who receives the gift will always remember. Irrespective of the occasion, you can create an everlasting impact on people with personalized gifts.

The Importance Of Choosing Qualified Accountants

You know what can be really stressful? Paperwork, and taxes, and deadlines, and fees, penalties and notices lets not even get started on paying a tax bill! When it comes to tax season, or any important business paperwork, including payroll and bookkeeping, a lot of people are really out of their element. And its okay to admit too! Dealing with the financial aspects of your business is not why you got into to business in the first place, right? Right. You got into business to make money and sell a product, or service. So you focus on that, and let a knowledgeable CPA firm handle the rest.

What is a CPA Firm?

CPA stands for Certified Public Accountant(s). Whenever you see an accountant, or accounting firm that uses the acronym CPA, it means that they are accredited by a governing body of professional accountants. Having an accredited accountant, or CPA firm in your corner can be invaluable. Although every accountant with a degree is knowledgeable in the realms of finances and taxes, if they dont have a CPA abbreviation, they simply arent held to as high of a standard.

What does that mean?

Its all about accountability, no pun intended. When you have a college of professionals overseeing your every move, you work really hard to be professional and follow the rules. If you ever break those rules that same governing body can strip you of your certification and credibility. It also provides a higher-power for consumers to seek justice.

Take this for example: If you take your personal taxes into just any accountant, or perhaps even a friend who simply isnt certified, but went to school for accounting, and they dont file your paperwork on time, or they make a catastrophic error what do you do? Sure you can give them a piece of your mind, but what does that achieve? You walk away facing some penalties or maybe even an audit, and they simply lose your future business (or friendship). It doesnt seem fair, right? Thats because it isnt. When you choose a CPA firm, you are choosing a person or business that has to answer to someone else. If things go wrong or any mistakes are made that end up being costly, you have recourse.

Why a firm?

A firm implies that there is a group of people, or at least two, who are working together in a business setting. A CPA firm means that for the fee of one accountant you get access to a bunch of them, which, depending on your situation, can be a life-saver. Accountants, like doctors, have different specialties. Some are wizards in the personal tax realm, why others stick to corporate accounting, accounting for law firms or even accounting for agricultural operations. Having all these specialists under one roof means that no matter what your tax situation entails, someone will be able to handle it.
CPA firms also make great business partners. If you are operating a small or mid-size business, outsourcing your payroll, bookkeeping and other accounting needs is a great way to take a load off your own plate, without having to hire someone full-time. Just a few things to consider the next time you are poring over your books.

Housewares Secrets To Better Cash Flow Management By Invoice Factoring

In its classic form, Factoring is a financial transaction in which a company sells the amount of its invoice against its customers on a given date (that is to say, the balances on bills yet due) to a third party (called the factor), which pays that amount by deducting a commission. More factoring companies exist in the major financial centers like Los Angeles. Conventional financial institutions like Banks, having understood that this type of cash flow funding could take their market share away because of the clear benefits it presents. Therefore, factoring services are not only recognized by the larger institutions, but also a powerful means to solve cash flow issues. For example, Housewares can be use this type of financing to increase their business many fold.

Factoring of Housewares activities provide the following benefits:

Through work situation and billing 2 types of billing may be funded by factoring, work situations and interim bills.

1. Using your 30-60 day term invoices as collateral and selling them to a factoring company to provide immediate cash flow;
2. Using this method of financing also does not add any additional debt to your company and allows your company to take on short term advances on work while at the same time knowing that these advances will automatically be paid by your customers invoice payments.

Documents requested by the factoring company

Validation document that invoices are true and payment terms are not altered;
Confirmation of invoice that there are no offsets and payment will be made to a secure lock box provided by factor.

Deadline for submission to the factoring company

The invoices are given to the factor for funding after having been checked and approved by the Housewares or in the first 30 days the invoice is generated.

The advantages and disadvantages of factoring

Companies are increasingly turning to factoring as it allows them to get money quickly instead of waiting times admitted customer payments which are generally between 30 and 60 days after the issuance of the invoice. After sending an invoice to a factoring company, the company can receive the balance of the receivables less the commission of the factor and a security deposit within 48 hours.

Another advantage of factoring is that it is adapted to the current operating business financing. Indeed, factoring is often less expensive to a business than traditional loan from a bank that often limit the amount of sales a company can achieve due to tight restrictions whereas a invoice factoring company can increase limits to allow a much great volume of sales.

The real choice is not made by a lawyer or an accountant, it must be made by a business person that understands the opportunity costs of growing sales or to just grow at an organic rate solely based on internal cash flow growth.

Tips On How To Open A Bpi Bank Account

Bank of the Philippine Islands (BPI) is one of the most established banks in the Philippines. Recently, it was awarded by Finance Asia, a prestigious finance publication and magazine in Asia and the Pacific as the best cash management bank in the Philippines. Finance Asia also recognized BPI as the best trade finance bank in the country.

BPI has two subsidiary banks – BPI Family Savings Bank and BPI Direct. BPI Bank deals primarily on corporate accounts like salary account of employees. BPI Family Savings Bank is focused on individual savings accounts or for individual person who may not be an employee. While BPI Direct serves primarily on mobile, telephone and online banking.

In opening a BPI bank account, you can adhere to procedures given below and ready all requirements before going to the bank. It will be fast and easy to open a new bank account when you bring all the needed requirements so do not forget to bring it all.

1. Make sure you have all the requirements for opening a new bank account like two valid ID, billing statements, two 1×1 photo ID, and money for initial deposit.

2. Select the branch you want to open a new account. Choose the branch near your work or house so that it will be very easy and convenient for you to go whenever problem arises regarding your bank account.

3. Upon entering the bank, proceed to New Account Desk. Tell the bank officer you want to open a savings account and then fill-up all forms that will be given to you.

4. Pass all the requirements, application forms and initial deposit for your new bank account. This is the minimum initial deposit for BPI, P3,000 and P10,000 for ATM and passbook account.

5. Get your passbook or ATM card which will be normally available after 4-5 banking days. When you get your ATM card, you can activate it at ATM machines.

When opening a new bank account, prepare first all requirements and ready the money for initial deposit for your new bank account. BPI is one of the best choice in applying for a new bank account. It has numerous branches around the country so it will not be a problem which branch to select.

Acquiring And Financing A Kenworth Truck

In today’s economy, start up and seasoned businesses have an unique opportunity to acquire an attractive deal for any type of Kenworth truck. The first option, for the buyer, is to visit their local dealer and find his truck there. This is great place to start and obtain pertinent information that will be used later in the data gathering process. From there, it is recommended searching the internet and its mass volume of data that is available. The potential buyer can visit such sites as truck paper and truck trader etc to view thousands of listings of trucks available across the United States. He is able to sort and sift through this vast data and should be able to find a truck, in any city and/or state across the U.S, that meets his acquistion requirements. Once he has located a source of trucks available to him, he is able to contact these sellers and negotiate a deal that might be able to meet his needs. Once he is agreed to a price and its particulars, his next hurdle is to find adequate financing in todays complex lending world of this commodity.

The type of Kenworth trucks we are identifying for this article is the following:

Kenworth dump trucks, Kenworth semi trucks, Kenworth garbage and refuse trucks, Kenworth Tow trucks, Kenworth Cement Trucks, Kenworth Concrete Trucks, Kenworth Flatbed Trucks, etc

Today, the financing arena for Kenworth trucks has become much smaller, especially for over the road trucks.. Lenders, in the past, that use to finance this niche market have either pulled their portfolio funds out of this area or have modified its lending requirements. It is not unheard of today that a start up business must commit to a down payment of between 10% – 30% of the acquistion cost of the Kenworth truck to enter this market. The seasoned business with good credit might be able to get in as little as one payment down plus documents fees but must have either A or B Credit. Other seasoned businesses that dont meet these credit requirements, may be required to put up 10-20% down or either put up additional collateral as their credit scores fall below 600. Most buyers dont enjoy these tightening financial requirements, are locked out of this market, and will start looking for alternatives that are available due to market conditions. In addition to the market requirements of substantial monies due upfront, the conventional lender has modified his risk/reward factor for the failure and possible repossession of these trucks. Therefore, the rate and/or interest factor that the lender charges has gone up making it a bigger challenge to complete the financing end once the want to be buyer locates his acquisition.

As the economy has weakened due to market conditions, including diesel gas reaching $4.50 or more per gallon in certain states, the route of conventional financing has changed as we know it. The lender has acquired another problem that makes their equation a little more complicated. In the past year as the price of food has gone up, the real estate markets have taken a toll for the worse and other world factors have caused the banks to be more unstable, the trucking industry has become more volatile. As the increase of defaults on the payments of Mack and all other trucks have risen to all time highs, the lenders have been taking back these trucks by the droves that are earmarked as repossessions. This has caused a problem with normal lending practices and trying to balance it with a non producing income portfolio. If these lenders dont act swiftly and prudently, the combination of these two type of portfolios can be devasating to the lenders bottom line. A third factor to consider is the off lease truck. These trucks are being returned to the lender and they must act accordingly with this third factor.

By definition, a Kenworth off lease Truck has been returned to the lender as the lease has expired. The lessee has made a decision to return the item in lieu of exercising the buyout option. A repossession is different than an off lease because it has arisen due to a default of the lessee for non payment terms or a violation of the terms of the lease. Either way, the lender has taken these trucks back and/and now must recondition these trucks and either sell these trucks or re-lease them.

The lender can either advertise their off lease and repo inventories through their internal sales force, trade journals such as truck paper, truck trader etc or utilize outside professionals such as brokers to move their inventories as quick as possible. Sometimes, as these inventories either sit or whatever reasons arent moving, the lender will put these items up for auction.
At the present time, the lenders have two different types of financing portfolios to consider and must act accordingly. Normal lending on new business deals still require stringent lending practices based upon the credit markets and the risk/reward factors lenders perceive out there in the financial markets. The second type of portfolio, for the off lease and repos, require possibility a more lenient approach to liquidating their inventories prudently and recreating the income stream for the lenders. This will be discussed below.

Today, some of the lenders in the financial market have advertised personal credit qualifications as low as 600, prior bankruptcy rules amended or ignored, and start up businesses welcome. Additionally, the front money to commence a lease can start as low as first payment only to whatever you might able to negotiate. Some of the lenders have application only programs up to $250,000. There are no financial statements, income tax returns or bank statements required. Additionally, some lenders may defer some of payments to get the semi trucks financed. The buyout clauses on these over the road trucks can range from a $1.00 buyout to 10% to 20%, Trac leases to possible fair market value buyouts. One should understand these clauses because they have an impact on the passing of title.

These favorable financial arrangements by the lender has stimulated the buyers wants and needs to either enter the trucking industry as an owner operator and/or possibility an expansion of a existing business. First Time buyers, whom were locked out of this market in the past, now has an unique opportunity to earn more revenue by acquiring a Kenworth truck for himself. A $50,000 over the road Kenworth truck might require as little as $1400 down to commence the financial obligation. Other lenders that might have required up to 30% down in the past might accept as little as 10% to acquire one of their repos and/or off leases..Additionally, some lenders may offer favorable monthly payment terms vs standard lending to acquire their off lease and repos vs. the buyer looking to acquire a truck at a dealership..
In conclusion, this is a buyers market for Kenworth trucks. One should evaluate all the factors relating to this acquisition including gas costs, air emissions,environmental type requirements., buyout clauses acquisition costs and its related financing.

Additionally, there are two distinct financing markets out there, one for the normal acquisition from the dealership and the possibility of acquiring a repo and off lease from a lender at favorable market and financing terms. As always it is advisable, if possible, to locate financing prior to truck shopping, it could save a lot of time and stress.

Happy hunting for your acquisition and related financing

Effects Of The Balanced Scorecard Questionnaire

The balanced scorecard was developed in 1992 by Robert Kaplan and David P Norton. Together, they came up with an idea that has been proclaimed to be revolutionary in the business scenario. The balanced scorecard questionnaire is an internal assessment in the improvement of the reporting system. As long as these supply the key indicators to the management, then it means that the scorecards success can actually lead to the entity of the strategic plan.

The balanced scorecard appraisal will just go for the internal assessment of the business. The key to the scorecards success can be linked to the customized and internal process measures that have long been added to the mechanism for the managerial performance over a period of time. The successful implementation of this balanced scorecard questionnaire can turn the strategy into some kind of action which the business needs to improve.

But there is the secret to the success of the scorecard link. As long as the entity comes up with the strategic plan which contains the dimensional and financial performance measures, then it will be easy to just customized the internal processed measures as long as these are added and go to accordance with the mechanism of the material. When these are improved, then the managerial performance may just cover the balanced scorecard questionnaire along with the balanced scorecard appraisal.

The balanced scorecard initiatives may just implement the management system that turn into the action that can go for the performance that combines the financial measures which complement the nonfinancial measures. As long as the following perspectives may just go for the finances and customized processes. The learning and the growth of the business may just go for the balanced scorecard questionnaire that will go into accordance with the nonfinancial measures. The internal business processes may result to the learning of the material and this resort to the balanced scorecard initiatives that have been successfully implemented along with the management system.

The balanced scorecard questionnaire follows a certain conventional pattern which combines the financial measures that are listed in the balanced scorecard initiatives. As long as the businesses go for the financial, customer and internal business processes then the balancing and the financial accounting measures go for the improved performance that can just meet the objectives of the strategic plan.

There is a required monitoring in the most common obligations that rely the balanced scorecard questionnaire that continue to produce the accurate and reliable as well as transparent financial information that the business needs in order to actually improve the financial perspectives of the company. There is a thorough assessment that should be conducted in order to go for the business strategy. Once these have been re-learned and eventually grown, then the opportunities can just continue to facilitate the improvement in order to improve the business strategy as well as the business that go well with it. The learning and the growth of the opportunities will just come in accordance with the balanced scorecard appraisal that is required.

Dealing with a troublesome and rebellious employee who is disrupting the work environment

Managing with a troublesome and rebellious employee who is disrupting the work environment

Good harmonious working environments and co-worker relationships are a must in a productive healthcare marketing organization or any other business marketing environment. Anything that takes away from a stable and happy work environment diminishes the organizations’ strength and its’ financial success by creating work force uncertainty, work environment friction and ultimately loss of job enthusiasm and job unhappiness.

Whenever one begins a new job assignment as a manager, they should meet with the entire staff and lay out expectations and the limits that are acceptable as related to job performance, work attendance, work place disruption and trouble stirring employees. Make certain everyone knows what is expected from them including how they are expected to contribute to a harmonious and productive work environment. Whenever a new employee is started, this same orientation must be provided to insure they understand the work place requirements and rules and the consequences for not adhering to the expected performance practices.

Whenever someone is found to be a disruptive agent in the work environment or a trouble stirring employee in general, they should be called in and counseled regarding the circumstances, observations, perceptions and given an opportunity to clear up any uncertainty and to make sure they understand what you require and expect from them regarding their contribution to and participation in a harmonious and productive work environment. This process allows the air to be cleared without any uncertainty as to what you are expecting from them and allows the employee to express their commitment to work with your directives and management focuses. In addition, they must be reminded that performance and behavior expectations in the workplace have already been set forth in an earlier orientation meeting as to your expectations related to employee contributions in and to workplace environment. All occurrences, incidents and meetings regarding work place performance and discipline should be documented as well as the initial orientation session that is was conducted disclosing your expectations from employees. These documentations should include date, time and the discussion points of meetings with the person(s) involved. Remember to follow your company’s’ policies and procedures as related to disciplinary actions, corrective action plans and proper protocol in these matters and keep your superiors and HR informed of your actions. This will keep your head off the corporate chopping block and protect your company and your job from legal challenges that may be brought later by a dismissed employee.

If disruptive activities and behavior issues persist, further and immediate action in is of the utmost importance. It is readily apparent when there is a disruption in the work environment. The disruptive employee(s) will try to gather 1 or 2, and sometimes more people to support their disruptive activities and behavior. Often, this is done by making threatening comments to these other people such as -the boss is out to get you- or -I heard the director talking about making some changes in your position -. The disruptive employee may do and say anything to gain support from other employees for their disruptive plans. Their efforts may extend outside your department and direct management area. The more support or sympathy they receive, the bolder they will become in making threatening statements to other employees about their manager and a common rumor thread is that you are going to fire or eliminated another co-worker. These statements are designed to bring maximum disruption within the work environment and give unfounded credibility to the disruptive force creating fear and unrest among other employees and winning the disruptive agent support and a degree of misguided respect by frightened co-workers. The disruptive agent may eventually take these activities to the corporate level and when that happens you will be hearing from above regarding morale in your department with questions about your management capabilities. Work begins to slow down, morale drops out the bottom and everyone is huddling together in small groups whispering and repeating rumors of perceived or rumored threats and worried about their jobs. The focus in this work environment becomes job worry, apprehension and fear of coming to work every day. Job happiness has left the building and the job. Before this happens, (not after) it is time to bring the disruptive employee in and take immediate action before morale gets this far gone. Once morale drops to this level, it takes a lot of work and time away from the managers’ normal duties to fix the problems that have surfaced and return the work environment to a productive one. You may spend days and weeks dealing nearly all day with this issue especially if it escalates to the corporate level. If that happens, you are dealing with the disruptive issue on two fronts and this means twice the time and energy to bring the disruption under control.

A written corrective statement should be issued and given to the disruptive employee in format allowing the employee a response in writing and a specific action plan set forth for correction and an action plan for failure to correct the disruptive activities. If the disruptive employee does not correct their activities or if they again resume these activities, they should be terminated immediately and escorted from the building by security. Employees who are so entrenched on disrupting the work environment are out to destroy your position, your department or the organization and will stop at nothing in this pursuit including going all the way to the top corporate CEO to discredit your performance. Once they are gone, you must work to promote and reestablish good employee relationships, re-building, team spirit promotion and employee motivation. A disruptive employee left in place too long can destroy a lot of progress, cost you your job, cost the business in financial success and achieved production. Remember, if you have a disruptive employee who refuses to cease disruptive activities, the sooner they are out, the better. If you are in management, keep your team focused and working smoothly with each other. If you have issues among personnel, address it immediately and don’t ignore it hoping it will go away. It usually does not go away and may become a huge issue for you and could ultimately bring scrutiny upon your position for failure to perform. Remember, you want positive recognition, not negative recognition.

Ray Vaughn, HealthCare Marketing Specialist Developing Successful Marketing Strategies for HealthCare and Business Contact at or

Separation Agreement

Separation Agreement
A Separation Agreement is a written agreement otherwise known as a Deed of Separation which is suitable for married or cohabiting couples who have agreed the terms for their separation and want to record these terms in a formal legal agreement. By recording the agreed terms in a formal written deed there is no scope for future dispute over the agreed terms. The agreement will be legally binding and can be used for establishing the terms to go in a future divorce petition.

Who to Inform When Your Marriage Ends
You may need to get in touch with the following:

Landlord or housing office;
Housing benefit office;
Council tax office (England and Wales);
Mortgage lender;
Water, gas, electricity and telephone companies;
Tax office, particularly if you’re getting tax credits;
Your bank, especially if you have a joint account;
Hire purchase or credit companies;
Insurance companies, particularly if you have joint policies;
Post office, if you want mail redirected;
Your doctor, dentist and child health clinic.

Separating Informally
If you and your partner are married, you can separate by an informal arrangement. You will need to inform some or all of the people listed under heading Who to inform when your marriage ends.
However, any informal arrangement made when you separate may affect future decisions if you do ever go to court.

Whats Included in a Separation Agreement?
When preparing to draft the separation agreement each party must produce full and frank financial disclosure, showing documentary evidence of their assets and liabilities. Each party exchanges this information with the other. Then the discussion takes place and hopefully an explicit separation agreement can be drawn.
Examples of what you might want to include in an agreement are:

To live separately
Not to molest, annoy or disturb the other partner
To provide financial support (maintenance) for the other partner. A separation agreement would normally say that maintenance will stop if the partner starts living together with a different partner. Any agreement not to apply to court in the future for financial support does not count legally
To provide financial support (maintenance) for any children of the relationship. Any agreement not to apply to a court or to the Child Support Agency in the future does not count legally

Do I have to Financially Support my ex?
If unmarried, neither partner has a legal duty to support the other financially either during or after the relationship. However, a separation agreement might include a point that states, for example, that you will continue to provide financial support to your ex unless they start living with a new partner.

What are the advantages of a Separation Agreement?
The principal advantage is that is allows parties to reach agreement in relation to financial (and other) issues without having to go to Court. Such agreements can also serve to provide evidence that the parties have actually separated and that they consider the marriage is at an end. This may be helpful if proceedings for divorce are commenced at a later stage.

Judicial Separation vs Separation Agreements
Unlike separation agreements in which the Court has no involvement, judicial separation is dealt with through the Court. The procedure is similar to divorce; however, judicial separation does not actually bring the marriage to an end. It provides evidence that you have formally separated which could be helpful in any future divorce proceedings. It allows you to formally regulate your financial affairs by way of a Court order since the Court have powers to make the same orders that are available on divorce and those can be varied or enforced.
Can I revoke Separation Agreement?
If a couple decides to stay together, they may revoke their separation agreement.
Main features
Key features of the Separation Agreement service

Separate and apart
Children – residence and contact
Obtaining divorce by agreement
Finance – clean break ( where applicable)
Lump sum payments
Maintenance for spouse
Additional maintenance such as school fees
Child maintenance
Terminating events such as death or remarriage
Variation of agreement for maintenance
Occupation of family home
Transfer of family home
Release from mortgage
Sale of family home
Transfer of family company
Life insurance policies
Pension provision
Agreement to leave by will
Contents of family home
Other assets
Credit cards and unsecured debts

What happens if we have a Separation Agreement and then get Divorced?
Should you and your spouse subsequently divorce, provided your Separation Agreement is drawn up properly and isreasonable, a Court is unlikely to interfere with it and will usually seek to uphold the provisions contained in it.
Future Amendments in Separation Agreement
A well drafted separation agreement will allow for future amendments by either direct written change by both parties or a process of mandatory mediation or, as a final alternative, resort to the courts.
Enforcement of Separation Agreement
Reaching an agreement with your partner is not necessarily the end of the story. You need to make sure that the terms of the agreement or court order are carried out. If one of you does not comply with the agreement, and if you are unable to sort out any dispute or misunderstanding (either directly or with the assistance of solicitors) then it is possible that an application would need to be made to court.
If you were not married or in a civil partnership, then you or your former partner can probably enforce any written agreement that was made as a contract and ask the court to uphold its terms and force you or your former partner to comply.
If you were married or in a civil partnership, then there are a range of enforcement options potentially available to you. Exactly what you can do will depend on the type of obligation that your former spouse or civil partner has failed to comply with. For example:

The court could order that maintenance payments are paid directly from salary.
The court could place a charge against a property owned by the person who failed to pay you a lump sum of money and for the property then to be sold.
As a last resort, the court to send your former spouse or civil partner to prison.
The court could enforce maintenance payments for children

You should speak to a solicitor about which of the options may be best for you.
Enforcing a court order can be expensive and take time, so you need to bear in mind the potential costs of taking action as against the benefit of enforcing the agreement.

Are there any drawbacks?

There are some drawbacks toSeparation Agreements, including thefact that they are harder to enforce than a Court order.
In addition, a Court can, following an application by either of you in subsequent proceedings, make orders that differ fromthe provisions of the agreement. However a Court will only alter the terms of a Separation Agreement with good reason, for example, if theagreement is unfair or defective.
An error in properly identifying property rights in a separation agreement, or failing to note the intentional omission in the other party’s do-it-yourself draft, could mean a significant financial difference to the trusting but naive spouse, in their old age.
Therefore, it is highly recommended to take formal legal advice so that one of the parties to the agreement cannot subsequently claim that they did not understand all of the contents of the agreement.

Net Lawman templates on separation agreement are very straight forward. The template deed of separation is drafted with many optional clauses so that it is almost certain to cover all possible circumstances. The template can be easily edited to suit your specific requirements. You will then be left with a customised separation agreement. Our expert team of Solicitors and Barristers can help you in editing or deleting the words within square brackets throughout the agreement