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Attorneys, law firms, lawyers, beneficiaries or clients usually form lawsuit-financing companies. Lawsuit financing companies can also provide appeal finance, firm finance, custom finance or estate finance.Many lawyers and attorneys create lawsuit financing companies based on their experience and the types of cases they encounter the most. Attorneys and lawyers with expertise in personal injury lawsuits or patent lawsuits help by providing cash advances and support in their fields.Lawsuit financing companies provide many financing options. With a significant monthly fee, a few lawsuit financing companies may help to settle the case faster. Though a large variety of options are available, the plaintiff has to discuss with the attorney which option is best suited to him.The lawsuit financing company and the plaintiff can make an agreement of the amount of share the lawsuit financers would obtain after the settlement or the verdict is known. This is called “flat fee”. Apart from the flat fees, the plaintiff has to pay a minimum fee every month, called “recurring fees”, to the lawsuit financing company. This recurring fee can be as low as 2.9% in the case of a few lawsuit financing companies, or could be as high as 15% with other companies.It is the financing company’s decision as to how much to pay as the cash advance. Lawsuit financing companies pay from $1000 to about a million dollars depending on the case.Every lawsuit financing company would have a team of lawyers to assess the strength of the case. The key is to avoid funding frivolous complaints. Thus the financing companies will scrutinize the complaint and decide the chances of success of the case.Lawsuit financing companies do not term their cash advances as loans but as investments. The applicant has to repay after the verdict. Usually the monetary settlement that is obtained after the settlement by the court is larger than the company’s advance. The lawsuit financing company should be paid the principal and the predetermined share of the monetary verdict.Many lawsuit financing companies can be approached through the Internet. Companies like legalcashnow.com, legalfundingnetwork.com and lawsuitcash.com are available on the Internet. Websites like these are flooded with information and instructions regarding lawsuit financing.

Consulting readiness programs are most favored amongst consulting analysts and entry-level consultants. So if you are an aspiring consultant, this article might be of good value to you.Every consultant would have gone through this training program at some point in time early during their career. Large consulting organizations invest heavily in their resources. The commitment that consulting organizations show towards training and continuous learning is truly inspiring. One such effort is the consulting readiness program.What do they teach at consulting readiness program?While a consulting profile requires many attributes, the consulting readiness program focuses on specific training areas that are considered key for consulting. Do keep in mind, that consulting readiness programs are not focused on grooming you into a consultant from scratch. These programs are meant for individuals who already have some industry experience and knowledge and would like to leverage those in the world of consulting. Now let us look at a few key attributes from a consulting readiness program.a) Mind Mapping – Mind mapping is a popular exercise taught in consulting. Mind mapping is the process by which you map various tasks and activities of an idea in a visual structured form. Usually when mind mapping is completed, the resulting diagram looks like a big banyan tress with tons of roots hanging down. More often in consulting, you are always dumped with information. This exercise will effectively allow yo to filter the right information, map them to the basic idea / concept or business problem. It is intended to better structure a consultant’s thoughts and represent it.b) Problem definition / Defining a problem statement – Another key area of consulting is understand a problem. Usually in consulting projects, you may be faced with situations where, you are thrown to the client and are required to identify their problems. These problems often tend to become independent consulting opportunities for the firm. So it is critical that when presented with a set of statements in a given business situation, a consultant is able to understand and identify the core problem (s) that the client is facing. This exercise is as close as it can get to consulting world.c) Problem solving through case studies – Now a lot of us might think, this is a pain. But case studies are often a wealth of information and learning. I wouldn’t think there could be a consulting readiness program without case studies. Again depending on what you are being trained for, the cases studies would differ. As always you are dumped with a wealth of information in these case studies and as a consultant or an analyst you are expected to identify and understand business problem to come up with potential solutions. If you do not like case studies, then you may not like consultingd) Communication skills – As I have always emphasized communication plays a vital role in consulting. As a part of the consulting readiness training program, you could very well expect role plays and case studies that focus exclusively on testing and developing your communication skills.e) Power point skills – Thanks to Microsoft, the life of a consultant revolves around power point presentations. In consulting, like case studies, there is no escape from power point presentations. There are plenty of articles and options on presentations. In fact, there are some cool tips and tricks that one could learn in effectively using power point in the world of consulting through this program. Of course, some organizations have skill development exercises exclusively focused on power point skills. These may help you better.All the attributes above belong to a mother characteristic of structured thinking and problem solving. So key is to develop structured thinking and problem solving capabilities in consulting. You can also expect to have other activities like team building, role play decision-making etc that may get added to the exercise depending on the day and the sessions post lunch.Do consulting readiness program really live up to expectations?Like every other learning program, the effectiveness of consulting readiness programs varies with participants. The focus of these programs are provide you with elementary direction on how to proceed and tune your thoughts to the world of consulting. If your expectation is that these programs stand-alone would help you become an exceptional consultant, then you may be in for a disappointment. Consulting readiness programs are enablers that allow a candidate to learn and shape their consulting careers better. The key word being “better”. This means, you already need to be good in certain aspects of consulting and this program would help you become better consultantsIf you are entering the world of consulting then you may find these programs to be of great interest. But like every other walk of life, irrespective of what you learn, unless you are willing to apply them in your area of work or life, the skill set would die with time. So good luck. Ensure you learn as much as you can and apply them in all walks of life and work. Happy consulting!

When assessing commercial real estate, it is necessary to understand the financial factors that the property creates. This is before you price the property or consider it suitable for purchase. In doing this, it is not only the financial factors today that you need to look at, but also those that have formulated the history of the property over recent time.In this case, the definition of ‘recent time’ is the last three or five years. It is surprising how property owners try to manipulate the building income and expenditure at the time of sale; they cannot however easily change the property history and this is where you can uncover many property secrets.Once the history and current performance of the property is fully understood, you can then relate to the accuracy of the current operating costs budget. All investment property should operate to a budget which is administered monthly and monitored quarterly.The quarterly monitoring process allows for adjustments to the budget when unusual items of income and expenditure are evident. There is no point continuing with the property budget which is increasingly out of balance to the actual property performance. Fund managers in complex properties would normally undertake budget adjustment on a quarterly basis. The same principle can and should apply to private investors.So let’s now look at the main issues of financial analysis on which you can focus in your property evaluation:
A tenancy schedule should be sourced for the property and checked totally. What you are looking for here is an accurate summary of the current lease occupancy and rentals paid. It is interesting to note that tenancy schedules are notoriously incorrect and not up to date in many instances. This is a common industry problem stemming from the lack of diligence on the part of the property owner or the property manager to maintain the tenancy schedule records. For this very reason, the accuracy of the tenancy schedule at time of property sale needs to be carefully checked against the original documentation.
Property documentation reflecting on all types of occupancy should be sourced. This documentation is typically leases, occupancy licences, and side agreements with the tenants. You should expect that some of this documentation will not be registered on the property title. Solicitors are quite familiar with the chasing down all property documentation and will know the correct questions to ask of the previous property owner. When in doubt, do an extensive due diligence process with your solicitor prior to any settlement being completed.
The rental guarantees and bonds of all lease documentation should be sourced and documented. These matters protect the landlord at the time of default on the part of the tenant. They should pass through to the new property owner at the time of property settlement. How this is achieved will be subject to the type of rental guarantee or bond and it may even mean that the guarantee needs to be reissued at the time of sale and settlement to a new property owner. Solicitors for the new property owner(s) will normally check this and offer methods of solution at the time of sale. Importantly, rental guarantee and bonds must be legally collectable by the new property owner under the terms of any existing lease documentation.
Understanding the type of rental charged across the property is essential to property performance. In a single property with multiple tenants it is common for a variety of rentals to be charged across the different leases. This means that net and gross leases can be evident in the same property and have different impact on the outgoings position for the landlord. The only way to fully appreciate and analyse the complete rental situation is to read all leases in detail.
Looking for outstanding charges over the property should be the next part of your analysis. These charges would normally stem from the local council and their rating processes. It could be that special charges have been raised on the property as a Special Levy for the precinct.
Understanding the outgoings charges for the properties in the local area is critical to your own property analysis. What you should do here is compare the outgoings averages for similar properties locally to the subject property in which you are involved. There needs to be parity or similarity between the particular properties in the same category. If any property has significantly higher outgoings for any reason, then that reason has to be identified before any sale process or a property adjustment is considered. Property buyers do not want to purchase something that is a financial burden above the industry outgoings averages.
The depreciation schedule for the property should be maintained annually so that its advantage can be integrated into any property sales strategy when the time comes. The depreciation that is available for the property allows the income to be reduced and hence less tax paid by the landlord. It is normal for the accountant for the property owner to compile the depreciation schedule annually at tax time.
The rates and taxes paid on the property need to be identified and understood. They are closely geared to the property valuation undertaken by the local council. The timing of the council valuation is usually every two or three years and will have significant impact on the rates and taxes that are paid in that valuation year. Property owners should expect reasonable rating escalations in the years where a property valuation is to be undertaken. It pays to check when the next property valuation in the region is to be undertaken by the local council.
The survey assessment of the site and tenancy areas in the property should be checked or undertaken. It is common for discrepancies to be found in this process. You should also be looking for surplus space in the building common area which can be reverted to tenancy space in any new tenancy initiative. This surplus space becomes a strategic advantage when you refurbish or expand the property.
In analysing the historic cash flow, you should look for any impact that arises from rental reduction incentives, and vacancies. It is quite common for rental reduction to occur at the start of the tenancy lease as a rental incentive. When you find this, the documentation that supports the incentive should be sourced and reviewed for accuracy and ongoing impact to the cash flow. You do not want to purchase a property only to find your cash flow reduces annually due to an existing incentive agreement. If these incentive agreements exist, it is desirable to get the existing property owner to discharge or adjust the impact of the incentive at the time of property settlement. In other words, existing property owner should compensate the new property owner for the discomfort that the incentive creates in the future of the property.
The current rentals in the property should be compared to the market rentals in the area. It can be that the property rent is out of balance to the market rentals in the region. If this is the case it pays to understand what impact this will create in leasing any new vacant areas that arise, and also in negotiating new leases with existing tenants.
The threat of market rental falling at time of rent review can be a real problem in this slower market. If the property has upcoming market rent review provisions, then the leases need to be checked to identify if the rental can fall at that market review time. Sometimes the lease has special terms that can prevent the rent going down even if the surrounding rent has done that. We call these clauses ‘ratchet clauses’, inferring that the ‘ratchet’ process stops lower market rents happening. Be careful here though in that some retail and other property legislation can prevent the use or implementation of the ‘ratchet clause’. If in doubt see a good property solicitor.
So these are some of the critical financial elements to look at when assessing a commercial Investment Property. Take time to analyse both the income and expenditure in the property before you making any final choices regards property price or acquisition.

If you want to sell your business, there are many advantages to selling it online. But, when you sell your business on the Internet, there will also be some disadvantages. As with anything on the Internet, you need to weed through all the trash to get a quality sales experience. Here are some tips for selling a business online.The first thing to do when selling a business online, or anywhere for that matter, you need to look at your business objectively. Know how much it is worth and know how much you want for it. Of course, make sure that you are not asking a price that is too high that your business won’t sell at all. A good price choice will ensure that your business is sold quickly.The next thing you do is post ads for your business online to sell it. When you look for places to post your ads, look at lot of places. Find ones that are very high quality and present the business opportunities to buyers in an organized manner. The more well established the site is, the more people will visit it and find your ad. Some higher quality sites will require you to pay a little more than some others, but the quality of the inquiries that you get will be better.After you post, you need to be patient. Wait a while and don’t jump on the first opportunity that comes along. This patience will help you find the best buyer for you that you can possibly find. You will have enough time to compare the offers that you will get because if you give it a little time, you will most likely get more than one inquiry about your business for sale.When selling a business online, you will get several offers. When you get inquiries about your business, make sure that you answer the ones that seem very serious right away. Communication will keep your possible buyers interested in your business for sale. Ask all of the questions that are posed honestly. Of course, if you get ridiculously high or low offers, you may want to avoid them because they may be scams. There are a lot of those on the Internet, no matter what you are doing. You just have to know how to keep an eye out for those.Wait for payment when selling a business online before you turn anything over to the buyer just to make sure that the offer is in fact authentic. Choose the safest method of payment that you possibly can for both of you. If you are selling an online business to someone from another country, this may be a bit more difficult.When you are selling a business online, you have a lot to look out for. But if you proceed carefully, you will have a lot of success with the sale of your business. Just follow this set of valuable tips for the best experience you can possibly have from selling a business online.

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The idea that student loans only relate to college fees is not actually accurate. The fact is that students require many of the amenities and services that everyone else needs. Getting a car is sometimes necessary to get to and from campus, and the availability of student auto loans with no credit history required makes buying one possible.As far as lenders are concerned, car loans approved to students is a lot riskier than auto loans approved to the fully employed. But there are clear benefits in providing this kind of financing – not least the fact that these young students will be fully employed in the future, and be a valuable customer in the long run.Of course, given the fact that approval on loans is never guaranteed, student auto loans without a credit score can only be secured if the application is properly prepared. There are also some compromises necessary.What Having No Credit History MeansFirst of all, understanding what it is to have no credit history is important. It might seem that student auto loans with no credit history are a fantasy, but the fact is that no high school graduate has a credit history anyway. They have not taken out credit cards independently, but may have them only through their parents. Nor have they applied for a loan before since the law does not permit loans to individuals under the age of 18.What this means is that there is no history of debts, so no history of debt repayments. Therefore, the credit agencies do not have a file on them. It might seem then that, in such circumstances, car loans approved to students are a major risk. But different lenders take differing viewpoints.On the one hand, students have no black marks against them, so there is little reason not to offer guaranteed student auto loans without a credit score. But on the other hand, these applicants have not proven their reliability, and so the risk is high.Why Approval is PossibleFor those lenders who see no evidence that a student applicant cannot be trusted, offering student car loans with no credit is a fair business transaction. However, there are both positive and negatives to the whole deal.The principal positive is that statistically, first time borrowers are more intent on starting on the right foot. Therefore, the likelihood of auto loans approved to students being repaid on time is quite high. It is a leap a faith, but there is a general recognition that everyone needs to start somewhere.The chief negative aspect is that lenders will still protect their investment as best as they can, usually through collateral (the car) but often through a cosigner. So, as long as their money is guaranteed, student auto loans without a credit score are fine.Terms to Watch Out ForOf course, the terms of any loan are highly important. For lenders offering student auto loans with no credit history, this is doubly important as terms can vary quite wildly. Generally, their credit score starts out on the low side, so auto loans approved to students will often have higher interest rates, while the sum available to borrow is also often quite low.Still, because of competition between lenders, some special offers short of actual guaranteed student auto loans without a credit score are available. These can include cosigner-free terms, lower interest rates and even a delayed repayment scheme.Be careful of the small print before signing any loan agreement, but getting student auto loans with no credit history is certainly not the fantasy some believe.