How long have you sat there, debating what to get for whomever as a Christmas present? Figuring out what to buy for someone can always get close to a headache – if not an entire migraine. I know, I‘ve been there. Not only that, we oftentimes get driven away from the thought of buying something or other simply based on its price. You‘d love to get something... bigger for your wife this Christmas, but that LCD TV‘s price is a bit too steep for you, isn‘t it? You have to make sure to be able to securely support your family after the holidays, right? This means making sacrifices sometimes, letting go of what you want to do and doing what‘s best.

But I‘m here to tell you that that‘s no longer the case. There‘s this awesome thing called the Overstock shop and the overstock coupons you can use to buy anything you want there for a reduced price! Just imagine how much you can save if you use, say, a 20% off overstock promo code on the same LCD TV? Quite a lot, I imagine. You can either put the money in your savings, or, heck, buy something else. You‘d be able to save money on that something else by using the overstock deals too! It‘s an endless cycle of saving! Until you run out of money, that is... but hey, then you‘ll have a metric ton of stuff you wanted or needed at some point!

You have to be careful buying things for Christmas because you can sometimes go overboard without realizing it. Let me tell you a story about a friend of mine (I swear this is NOT made up); he was just another person – no one special, a guy looking to buy his girlfriend a Christmas gift. So, what happened? Well, he ended up buying a bazillion things that he thought would work as a present, but he later only chose on to give her (yeah, he‘s that indecisive). Little did he know that there were probably tumbleweeds rolling around in his wallet by the time he was finished.

The moral of the story? Be mindful of how you spend your money. It‘s not only how you spend it, but how much of it you use as well. Using overstock coupon codes eliminates one of the problems, and definitely makes the other much less hurtful. Might as well give yourself a present too! That jacket looks really warm and comfy, doesn’t it? I mean, the cold weather is approaching (or is already there, in some regions), and the extra layer of clothes can do wonders against the chilly wind. With the overstock discounts, you’d probably have enough for a scarf too! 

How many things will you have under your Christmas tree? More than your neighbor, obviously. Why? Because you’ll be using the totally rad overstock promo codes to make this the best Christmas ever. You don’t even need to think about what to buy – just get everything!

There are numerous – literally too many to count – personal-injury lawsuits in legal Limbo. Many victims await impending settlement and find themselves strapped for cash. They know that “down-the-line” they will eventually “come into some money,” but given the administrative nightmare of a seemingly endless wait, how are they going to pay their bills now? How will they secure an attorney to help them through cases?

Clients

Many people – “The Clients” -- involved in the throes of a personal-injury lawsuit are turning to the unsecured legal loan from a litigation funding company (they provide the aforementioned “legal loans”). The draw is that the cost of the legal loan will never exceed the value of a settlement. The potential negative is that there is no regulation on the interest rates.
 

The New York Times reports on an incapacitated man facing eviction. He couldn’t afford to pay for his home, due to being disabled. The class-action lawsuit in which he was intrinsically involved, would not be settled in time. He borrowed a little more than $9,000 from a legal financing company, which provided him with the money immediately, and in time to “save” his house. Eighteen months later, the case was settled, and he was awarded $27,000, but he owed the lending company more than $23,500.

Brokers

Essential to the legal loan is “The Broker” who originates the lawsuit loan for the finance company (see next paragraph). “Brokers,” like salesmen, look for qualified “leads,” i.e. “Clients” whose cases will not only potentially cover the cost of the loan, but still leave enough of the settlement to the “Client.” They also look for the “Underwriters,” and essentially make a match between “Client” and “Underwriter,” for a mutually beneficial situation.

Underwriters

“The Underwriters” are the legal-funding companies, hedge funds, banks, or investors who are able to immediately advance cash to the needy personal-injury plaintiffs. They choose “Clients” whose cases claim sufficient exchange – meaning, they will get their money “back” (the cost) when the settlement goes through.

Attorney

Legal loans are not secured without the assistance and participation of an “Attorney,” who proves to “The Underwriter” that “The Client’s” case is has merit and worth “The Underwriter” taking the risk to hand over the cash. Also, the “Attorney” draws up a contract, commits to being the “escrow agent,” with the caveat that there is a lien on the case.

Yes, there is a high-interest rate, but if a “Client’s” livelihood, home and health are in jeopardy, it can be a huge relief and the proverbial “saving grace.”  Even if a client is jobless, without property or has bad credit, they can still get a legal loan, which is not contingent on collateral, but only on the actual settlement of the case.

Legal loans have been made for cases involving :

Conclusion

Legal financing has emerged, it has been reported, as a viable alternative for U.S. and Canadian Class-Action lawsuits. It is important, however, that clients in dire need, be sure that the “Broker” they choose is viable and legitimate. Choose a trustworthy attorney and broker who will bring you to a lawsuit lender/”Broker” who won’t siphon away all of your settlement. Ask for licensing and disclosure requirements. Remember, if you do not win your lawsuit, you do not have to repay the money the “Underwriter” gave you.  Check your state and federal regulations, because different legislation's apply based on your location.

Sometimes, there is little risk to the lenders – even if the class-action lawsuit has been settled, and the “Client” knows that money is forthcoming, the money might not come in time for the “Clients’” bills. The legal lending company steps in, knowing that the “Client” will eventually get their payment, and, in turn, so will they. Lenders will pay the “Attorney” to find cases that have been confirmed as settled and, according to the New York Times, “generally lend no more than 10% or 20% of the amount they expect the borrower to win.”

Christmas being our most awaited holiday is the time for greedy businessmen to earn some good cash. The present day idea of enjoying holidays includes spending lots of money and specially on gifts as people have various ways to spend money. But they do forget that these overspending could lead you to get into financial problems in a chain process. There are instances where people get in debt or they are bound to file bankruptcy, or unable to payoff the borrowed money, all these may lead you to a bad credit score which in turn would affect your life. Enjoying Christmas was not always so expensive for example the sixties and seventies were years where people enjoy a lot yet spent very less. If we take a few steps we could also do that because it’s no miracle but only your controlled monetary behavior.
 

You might be wondering how that can really be possible in a modern day world where lifestyle has become so costly. Well here are a few tips that will reveal the ways to celebrate Christmas frugally.

Introduce the option of few gifts

If you have been buying lots of gifts for your dear ones for Christmas you could introduce the option of buying only a few gifts. Gifts that would be of use, or something that your kids are willing to pursue for long. Like if you have a college going kid, you could buy him a bicycle to go to college. He will be more than happy to have such a gift. In this way you could avoid spending lots of money this Christmas as he would not require to have any other gifts. Start saving now and in the upcoming festivities of 2014 and you will be able to save a lot of money by the next year.

Try to make some gifts on your own

You could follow a few websites that do share interesting tutorials on creating your own gifts and that varies from creating a vanilla cake to a nicely decorated craft. You could also create some cookies which would be best suited for the occasion. It would definitely showcase your involvement in the spirit of Christmas.

Give a new look to your food

This idea is a must for people who want to break the tradition of regular festive dishes. And seriously speaking you do not need to spend a lot of money to have attractive tasty dishes. How about decorating your cookies or adding some extra flavors by garnishing your lemon chicken with some herbs or serving it with jasmine rice. The fun will be filled up to the brim if you could arrange a contest among your kids and their friends to prepare some good decorated dish of their choice

Mini film festival

How about watching a movie together. There are many DVD's available of movies that you haven't watched and that would be a good day to watch a movie together and its a good form of entertainment as well.

Go for a drive and enjoy the decorations

Why not go out with your kids to watch out for the decorations. This is the exact time when we should go out as the city is covered with lights and there are lots of decorations with Christmas tree, a nice sledge with Santa. These will definitely be fun for your kids as they will enjoy the various displays.

Gather friends and family to sing Christmas carols

The idea is simply to call upon your friends and family members at your house to join in for singing the carol together. Someone could opt to play the piano and someone could handle the keyboard and others could sing. This is a magnificent way to save a lot of money yet have fun together.

The above discussed tips are ways to merge with the spirit and fun of Christmas along with conserving your hard earned money. Which was once possible can be made possible today also. Execute the steps and prove that you can make a CHANGE.

Merry Christmas !!!

What is a risk? What is a threat? What is vulnerability? These are some questions that are generally asked by businesses around the world. When you are running a business, you will have to face risks, threats and you will surely be vulnerable to one or more threats. Risk is the likelihood of loss or the likelihood of financial loss of a business. Whenever you are doing business risk assessment, you will have to be thinking about what is the actual impact on the entire business. When a business understands the financial ramifications of the risks, it will do all that it takes to minimize the risk. In fact, it will also pump in a lot of money if it is seen that the systems can mitigate the risks. Risk is a business concept and it is eventually the likelihood of loss to the business and the business processes.

A risk matrix is a part of a business risk assessment strategy. In this matrix, there is a graduated response between the lowest possibility right up to the highest possibility—lowest impact to the highest impact. Controlling dangers in the business is no different from tackling any other task. You need to recognize the problem and decide what needs to be done to prevent the risks. Also, if there are some solutions identified; then they need to be put into practice as well.
 

There are three basic steps to risk assessment. First, you will have to look at the business hazards. Second, you will have to identify who and what will get affected by the business hazards. Third, you will have to evaluate the risks. If you don’t have the expertise to do a business risk assessment, you will have to check out a very good risk assessment and management service. Risks are inevitable in business, but understanding them and doing the right thing to mitigate them is paramount for the success of a business. In a business scenario, financial risks are unwelcomed threats that can permeate into the business at any point of time.

Business risk managers have to properly equip themselves and the company with risk management strategies so that they can meet those risks head on. Meeting risks at the right time is very important, but meeting them with minimal setback is very important for all businesses. In another business parlance, business risk is defined as an uncertainty that is affiliated with certain circumstances that could impact the business negatively. Such risks can cause financial insecurities for the firm and also render a business inoperable. In other words, a business risk assessment is a systemic process of understanding whether a particular uncertain condition has a potential to threaten a business and its operations.

Business risks can come in various forms and to properly assess them is paramount, especially if your business is a start-up business. You will have to create a list of threats that can dig into your business and then organize a risk assessment strategy for each of these risks. aq