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Making A Will

Posted by on Jan 4, 2017

Making A Will

Alongside sorting out tax issues, your will should be a fairly important item on the agenda before you die. Make sure you leave no tax debts with your family and you will be better off. Choosing to make a will and testament shouldn’t really be a chore but it should be something high on your priority list, especially if you have a family. You could go through life and accumulate property like you’re playing monopoly or perhaps you were never about the material things and don’t have very much to your name. Regardless of which camp you fall into, you need to make sure you have things in order whenever the inevitable time comes. There’s few things that are guaranteed to us in life but one of those things is always death and regardless of death, life has a sticky habit of continuing to move on. People move into our empty houses, and take our empty job spaces and it keeps going no matter what. Make sure that your loved ones are taken care of and a will can do that.

You need to ensure that your belongings pass to the people without delay or argument, making a last will is as much about your wishes as your wealth. It means that you take the decisions about which of your possessions goes to whom, whether they are financial or simply sentimentally valued possessions. Making a last will is also about your beneficiary’s health as much as wealth. Usually everything is passed automatically to a spouse but dealing with death is so difficult and if you add any uncertainty or ambiguity at the same time then health problems can undoubtedly arise.

Googling for companies to help resolving my taxes should be what you do before you set up your will as then your money cannot be used to pay off tax debts in your will. Where the deceased has not actually left a will, your family would have to choose a representative for you to approach probate to obtain a grant of letters of administration, ensuring someone is appointed as the administrator for your estate. Following this, the estate is then distributed under the rigid rules governing the Law of Intestacy. This law, which is laid down in the Administrations of Estates Act, applies irrespective of the amount of wealth a person owns at death. The law does not allow any opportunity to consider any wishes the deceased may have had, even if those wishes appeared obvious and written down other than by a properly executed Will. In fact, a Will that is written but isn’t executed properly could very well mean that the deceased has in fact changed their mind as to whom the beneficiaries should be. If you don’t have a will set up, your money and assets can actually be passed directly to the Crown despite what you may say out loud. Your chosen executor who is appointed can apply for a grant of probate which frees your estate for distribution to your family in the exact way you have already decided in your will. Spouses may not automatically inherit all of your estate and it is important to be aware that the spouse of a deceased person who died intestate does not automatically inherit the whole of the spousal estate.

Inheritance tax may be payable on your estate when you pass away and if in any doubt about it you should speak to a solicitor. Inheritance tax thresholds vary depending on your situation and anything worth above £325,000 – including money, property investments, but after deducting debts and funeral expenses – will be subject to 40% tax. You have six months from the end of the month in which death occurred to pay the tax and payments can be from any savings or investments available within the estate. Without that last will and testament you beneficiaries are left with the problem of obtaining a Grant of Letters of Administration and appointing an administrator in your absence to deal with disposing of your estate under the rules of intestacy.


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Tips on Choosing the Right Driving Instructor

Posted by on Nov 1, 2016

Tips on Choosing the Right Driving Instructor

It isn’t easy to find a driving instructor, especially when no one can recommend you one. But if you have a guide that will help you choose the right one. Below are tips from

The basics of it all are that the instructor must be registered to DVA or the Driver & Vehicle Agency. The only ones that can charge you money in teaching you how to ride or drive the car those with the certifications of ADI or Approved Driving Instructors. There is also another one, the AMI or Approved Motorcycle Instructors. This is for when you prefer to ride a motorcycle.

How to confirm AMI or ADI registered professionals?
They must carry with them their license at all times. For the ADI and the PDI, also known as Potential Driving Instructors, their license can be displayed at their car’s windscreen. The PDIs are the ones who are issued with the license of a trainee but accompanied with the ADI.

The qualifying process

This pertains to the qualifying process of acquiring the AMI or ADI. DVA is the one overseeing the maintaining of its regulations for driving. They are also responsible for checking out the standards of every AMIs and ADIs.

Teenage Driver Learning to Drive with Parent or Driving Instructor

Qualifying for the AMI and ADI has a multi-step process. This includes the following:

  • Passed the strict driving exam
  • Holds full driving license for a minimum of 4 years
  • Passed a more advanced theory test higher than the learning drivers take
  • Possesses good character
  • Pass teaching ability test
  • Keep up and reach the highest standard of instructing driving students

Don’t be afraid to ask for the instructor’s records as it will help give you an idea as to the kind of instruction they provide to their students.

Be careful with driving instructors that do not possess either an AMI or ADI license. If you happen to meet them, make sure you walk away or go to another driving instructor. This is because they cannot offer their services without the approval of the DVA. This means that they are operating illegally. It wouldn’t be illegal if they are not charging your anything for teaching you driving.

In the case that you find it too late to back down from your driving instructor since they could not show you an ADI or AMI license, you first need to provide evidence that relates to this incident. It can be a copy of the advertisement or their business card. You should also write down the address as well. The authorities cannot address the situation if you can’t be too detailed about your evidence. You can start off by saying that your suspicion started arising when they couldn’t present what you are looking for, or they insist that they left their license and can’t show it to you. You should also take note of the registration number of the vehicle, or any other information that you feel is worthy as evidence.

When you report a driving instructor that has made illegal instruction, the DVA will investigate into this matter. They will even send this matter to PSNI when the situation needs it.

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What are the Mistakes You Should Avoid with the Divorce Lawyer

Posted by on Oct 15, 2016

What are the Mistakes You Should Avoid with the Divorce Lawyer

When you have finally decided to file a case against your spouse with divorce, it can be quite stressful for you since you need to decide on a lot of things, especially with choosing a lawyer to work with. However, there are some matrimonial cases wherein the clients wanted things over and done with that they end up working with the wrong lawyer. It doesn’t only mean that the lawyer just graduated from law school. It could be that they are working with the wrong specialist.

If you take a look at the lawyers working at, each of them has their specialty they work on. It is crucial that you work with the right divorce lawyer since it will affect the outcome of your case and how it will progress from the beginning to the end. And for this to be a success, you need to make sure you do not commit the same mistakes that other clients did before you.

Define the needs for a divorce lawyer as early as you can. If you already know a lawyer that works with Divorce and Family Law, it is the time that you meet them so that you will be familiar with what it is like being under high-pressure or when you get served with documents. If this is not the case, your selection will only be with ones that have the time to meet with you instead of you meeting with the best ones. You should also keep in mind that if your spouse gets to a divorce lawyer first in, you won’t be entertained or will they meet with you as this will spark a conflict of interest. The same can be said in any other law firms, too.


Go for the best sources. The common thing that most people do today when finding something for the best is by search in Google. However, what you will find in this search engine is something that is designed to love the search engine – the skills of the web developer for it. However, what you are looking for are the skills of a divorce lawyer, which the search engine cannot give you. Nothing beats the power of word of mouth. The ones that will have the best leads are financial advisors, attorneys that are practicing in a different field, therapists, and CPAs. Ironic as it may be, people that have already gone through divorce cases also knows some since they worked with divorce lawyers personally.

Go to a specialist. Attorneys are like doctors, too – they specialize in a particular field. There are attorneys that are highly skillful with properties and land. There are also those that are skillful with Divorce and Family Law. The latter is what you should be looking for. The reason for this is because they can assess the situation properly as they know the judges and other attorneys that specialize in this field, too. They are also more updated with the latest trends and changes in the law.

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