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2:54
*******www.theclaimsconnection******/ppi-claims/payment-protection-insurance-claims.html - Payment Protection Insurance, or 'PPI', is insurance designed to cover loan, mortgage or other payments in the event of accident, sickness or unemployment. In many instances, PPI was unsuitable for the customer and would not have been purchased but for mis-selling practices adopted by banks and lenders. Common mis-selling practices included failing to explain that the PPI was optional, or implying that it was compulsory, and failing to discuss crucial aspects of the policy, such as the exclusions and limitations. PPI was an especially bad deal for self-employed people, since it frequently only provided cover for those in full time employment. Whereas an employee of a business would be covered if made redundant, a self-employed plumber, for instance, would not be covered if the work 'dried up'. In addition, two of the most common 'sickness' claims were often excluded from policies, namely mental health and back problems. Therefore, a construction worker who suffered a slipped disc, or someone unable to work due to stress or depression, would not benefit from the cover. Sometimes, particular roles, such as taxi drivers, were specifically excluded. Policies also frequently excluded people working fewer than 16 hours per week, those on short term contracts, agency workers and those who worked full-time, but for a number of different employers. Claims were often excluded if you accepted early retirement or voluntary redundancy, or if you were dismissed for misconduct. Retired people and students, not being in employment, would also clearly be excluded from the benefit of a PPI policy. Banks and lenders were obliged to assess whether the PPI policy was suitable for customers' demands and needs. If you were self-employed, or otherwise not in full time employment, the policy was clearly not suitable and it's likely to have been mis-sold. For more information on PPI refunds, contact the Claims Connection managed by Winston Solicitors LLP on 0845 009 6899, or visit www.theclaimsconnection******.
18 Oct 2011
257
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2:50
*******www.theclaimsconnection******/ppi-claims/payment-protection-insurance-claims.html - Payment Protection Insurance, or 'PPI', is insurance designed to cover loan, credit card, mortgage and other payments in the event of accident, sickness or redundancy. In itself, it isn't a bad product. However, PPI sold alongside loans and cards was often very expensive. PPI was also frequently mis-sold by lenders to customers for whom it was unsuitable, such as people with a medical condition, those not in full time employment and workers entitled to sick pay. The Financial Services Authority laid down guidelines for lenders to compensate customers who had been mis-sold PPI. The banks withdrew their legal challenge to the measures, opening the door to thousands of PPI complaints. Many people with a complaint about the sale of PPI elect to confront their lender themselves. At Winston Solicitors, we recognise this. We've provided lots of useful information on our website to assist. You'll need to write a letter of complaint to your lender, enclosing the FSA-approved Customer Complaint Form. Some lenders will also want you to complete their own questionnaire. Conversely, some people who are not used to dealing with large financial institutions prefer to be represented. Equally, many people feel they are too busy or do not want the stress of dealing with the matter themselves and prefer to have it taken out of their hands. Should you opt to go down the route of legal representation, ensure that you choose a firm which offers a strictly 'no win, no fee' service. Some firms charge up-front fees, only to later say that they can't help at all. Claims management companies, or 'CMCs', are intermediaries who will deal with the claim for you. Many CMC's are regulated by the Ministry of Justice and have to comply with their guidelines. However, they're not solicitors and are not regulated by the Solicitors' Regulation Authority. Winston Solicitors LLP can offer you something different. We are a regulated firm of solicitors, guaranteeing you professionalism and a high standard of service. Unlike CMCs, we have the option of issuing legal proceedings where appropriate. Consequently, lenders tend to deal with us reasonably. We offer a strictly 'no win, no fee' service. There are no 'up front' fees, administration charges or hidden costs of any kind. We know how to counter the legal arguments that might be raised by your lender. If necessary, we will refer your matter to the Ombudsman. There may be other elements to your claim which have received little attention in the media, but which might increase your compensation. We will investigate your claim fully and request a breakdown of how any offer is calculated. For a free, no obligation case assessment, contact The Claims Connection, managed by Winston Solicitors LLP, on 0845 009 6899, or visit The Claims Connection website.
18 Oct 2011
413
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2:27
*******www.cgpglaw****/Port.htm 678-775-3550 rportcgpglaw**** Hello. I’m attorney Robert Port, and I represent people who have been harmed by the misconduct of their financial advisor, stockbroker, or insurance agent. While every case is different, there are a number of warning signs or red flags that indicate you or a loved one might be a victim of improper sales practices, financial wrongdoing, or even fraud. These unscrupulous advisors often target small investors, retires and unsophisticated people with most of their savings in their IRA retirement accounts. And the misconduct often goes unnoticed until they die or become disabled, and an executor or guardian gets involved. In this, and subsequent videos, we’ll discuss the most common of these abuses and how you can spot them, avoid them or obtain restitution for losses if you were sold inappropriate financial products. Trouble signs that we’ll discuss include: Did your broker take the time to learn about you and your future needs and risk tolerance? Have you ever needed to withdraw money from an investment and been told it would be subject to large, unexpected penalties? Does your retirement savings fluctuate up and down more than the stock market does? Is your money invested only in a few stocks, or only in the stocks of a particular industry? Is there lots of buying and selling in your account, and does your broker earn a commission on each transaction? If any of these experiences sound like yours, you may be a victim of stockbroker or insurance agent misconduct or financial fraud. Not every loss is evidence of a problem. But many times, a stockbroker, financial advisor or insurance agent has sold someone an investment, annuity or life insurance that is completely unsuitable for them. When that happens, the investor is subject to more risk than is appropriate for them, and as a result, often experiences devastating losses. If you believe you have been a victim of investment misconduct or fraud, please contact me to see if there might be a remedy.
11 Nov 2011
482
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3:32
*******www.cgpglaw****/Port.htm 678-775-3550 rportcgpglaw**** Hello. I’m attorney Robert Port, and I represent people who have been harmed by the misconduct of their financial advisor, stockbroker, or insurance agent. While every case is different, there are a number of warning signs or red flags that indicate you or a loved one might be a victim of improper sales practices, financial wrongdoing, or even fraud. In this segment we’ll discuss improper investment advice given to benefit the agent and motivated not by what is best for you. It is unfortunate, but you can't always rely on financial advisors to give you advice that is in your best interest. Some recommend investments that pay the highest commission regardless your needs and risk tolerance. Common examples of these types of investments are variable annuities and equity indexed annuities which often pay commissions of 5% to 7% of the price of the annuity. Another common abuse is called “Churning”. “Churning” is when a broker buys an investment to earn a commission, holds it for a short period of time, such as a few days or weeks, and then sells it (and earns another commission) and buys something else to start the cycle again. Often, the broker claims this short term trading is to take advantage breaking news or rumors. Some will also refer to this as “day trading.” Churning is almost always a losing proposition for the investor but one that generates large commissions for the broker. It is generally very risky, and rarely a proper or suitable investment strategy. The commissions charged generated on each transaction usually eat up any profits, and the investor gets stuck with any losses and the broker is the only one who benefits, and sometimes handsomely. One warning sign that a broker is churning is that he or she is making the trades without first contacting you. If you are receiving lots of paperwork from the brokerage firm about transactions that you did not discuss in advance with you broker, you might be a victim of churning. Another warning sign is a broker who aggressively promotes an investment “product” offered by his brokerage firm, such as a limited partnership, a mutual fund sponsored by the brokerage firm, or something claimed to offer tax shelter. I’d like to say a little more about variable annuities, and equity indexed annuities. Most experts agreed that these types of annuities are suitable for only limited number of people. Even so, billions of dollars of variable annuities and equity indexed annuities are sold each year to unsuspecting investors. If any of these experiences sound like yours, you may be a victim of stockbroker or insurance agent misconduct or financial fraud. Not every loss is evidence of a problem. But many times, a stockbroker, financial advisor or insurance agent has sold someone an investment, annuity or life insurance that is completely unsuitable for them. When that happens, the investor is subject to more risk than is appropriate for them, and as a result, often experiences devastating losses. If you believe you have been a victim of investment misconduct or fraud, please contact me to see if there might be a remedy.
13 Dec 2011
620
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3:46
*******www.cgpglaw****/Port.htm 678-775-3550 rportcgpglaw**** I’m attorney Robert Port, and I represent people who have been harmed by the misconduct of their financial advisor, stockbroker, or insurance agent.  Variable and equity indexed annuities are aggressively sold by many stock brokers and insurance salesman using scare tactics and misleading sales presentations.  The agent’s pitch often focuses on “Guaranties,” “Tax Deferral” and the ability to receive an income stream by “annuitizing” the annuity.  These annuities are often pitched to seniors through lunch or dinner investment seminars promising “estate planning” or “tax planning.”  The brokers and agents who sell these annuities are often motivated by the generous commissions they can earn on a sale – often 5% to 7% of the price of the annuity.    These annuities are generally suitable only for those who can lock up their money for a substantial period of time.  Many people who are sold variable or equity indexed annuities later realize that they are inappropriate because of the following problems, which are often glossed over or not discussed in the sales presentations. These products are only suitable for a small number of people for the following reasons:  Penalties for Withdrawal:  Annuities tie up your money for a long time by imposing “surrender fees,” or penalties if you withdraw your money within the first 5 to 7 years.  These surrender charges make cashing out these investments expensive and makes them unsuitable for those who may need to use their money for current living expenses, medical expenses, emergencies, or to help a loved one.   Excessive Fees. Variable annuities and equity indexed annuities impose high management fees which make them expensive.  Some are more than twice as expensive as the average mutual fund and eat into your investment returns.   
  Improper Placement in IRA Accounts.  Seniors and those close to retirement are the most vulnerable to inappropriate sales pitches and investment misconduct.  Often, they have a lifetime of savings or a substantial 401K, and need to assure that those funds last the remainder of their life.  They are attracted to claims that an investment will produce more income than the Money Market or a CD, or that the investment is “guarantied,” or that there is little risk.  Unfortunately, many times those claims are false.  Sometimes, the stockbroker or insurance agent simply has not been adequately trained, and carelessly recommends an investment.  Other times, the sales are motivated by the desire to earn a commission, even though the investment is not suitable or appropriate.  Tax deferrals are one of the benefits variable and equity indexed annuities provides and this benefit is lost if they are bought in an IRA, because IRAs are already a tax deferred investment. In spite of this, some salesmen improperly sell variable and equity indexed annuities to be placed inside an IRA because that is the only place many people have money to invest.   If you believe you have been sold a variable or equity indexed annuity that is not suitable or appropriate for you, please contact me to see if there might be a remedy.
10 Jan 2012
266
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0:44
We're a highway registered approved contractor and a member of The Guild of Master Craftsman. As such we have public and employers liability up to the value of £12,000,000 at one time. All our work comes with a guarantee, and references are available upon request should you require them. Please contact us for more information. All the work which we carry out will be to an excellent standard with reliable service. Our installations are carried out by our experienced and highly skilled tradesman to the highest level. Our groundwork and building services includes: Excavation Foundations Drainage works Concrete over sites Landscaping Fencing Top soils Retaining walls Block paving Brick works Block works Reinforcement to structured walls If you cannot see a service that we offer, please contact us for more information. Sealing your driveway can transform your paving as well as protecting it. Simply sealing it can give it that refurbished look and enhance your paving investment. Sealing can be used on any block paving, adding value to you investment whilst creating an attractive hardwearing and durable sealed surface. Sealant transforms the appearance and enhances your paving in many ways: The natural colour Brings old paving alive Rapid installation Minimal Maintenance Stain resistant Inhabits weed growth First Class Groundwork and Paving Specialist can ensure your block paving stays looking as good as it did when it was first done, not only making it easier to maintain but also enhancing its look. Our product is the original, best and must never be confused with cheap inefficient and totally unsuitable acrylic imitations. Contact us today to see what we can do for you.
12 Apr 2012
131
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5:17
*******www.cgpglaw****/Port.htm 678-775-3550 rportcgpglaw**** Hello. I’m attorney Robert Port, and I represent people who have been harmed by the misconduct of their financial advisor, stockbroker, or insurance agent. If you use a stockbroker, they have an obligation to recommend investments that are suitable for you. I often am asked how to determine whether an investment, or an investing strategy, is suitable. To make that assessment, here are some of the things I look at: Did The Broker Get To Know You? Did the broker discuss with you your current financial situation, net worth, needs, and risk tolerance? A broker cannot determine whether an investment, investing strategy, or insurance product is suitable for you unless they know something about you. Did the broker ask what your annual income is and your net worth? Did the broker determine whether you may need cash soon, to buy a home, or to send children (or grandchildren) to college, or if you will you need to support an elderly relative? Did the broker ask whether you can’t sleep at night if your investments go down even a little, or are you a long term investor, not worried about short term fluctuations in your investments? A broker or financial advisor who has not asked these types of questions cannot determine what a suitable investment is for you. Many times, their goal is to sell you whatever they or their firm is pushing at that particular time, including insurance products like variable annuities or whole life, or perhaps a stock or mutual fund that is being promoted by the brokerage firm. If you are offered an investment by a stockbroker, insurance agent, or investment advisor who has not taken the time to find out about your individual needs, don’t fall for their sales pitch, no matter how convincing. [another question I ask is]: Are You Diversified? The old saying that you “shouldn’t put all your eggs in one basket” applies to investing as well. For most people, a diversified portfolio of stocks and bonds is appropriate, with the general rule of thumb being that as you get closer to retirement, more of your investments should be in bonds and cash investments. Diversification means that you own stocks (individually or through a mutual fund) of both large and small companies in a variety of industries, in the US and internationally, as well as having exposure to government, municipal and corporate bonds. If your broker has you primarily invested in one stock, or in the stocks of just one industry, your investments may not be diversified and suitable for you. Sometimes, a careless or unscrupulous broker will advocate placing a substantial investment in the low-priced stock of a small unknown company, convincingly arguing that if the price goes up just a little, you will make lots of money. While it is true that Microsoft, Google and Apple were once small unknown companies and their early investors have done very well, thousands of other similar companies have failed, taking all of their investors’ money down the drain with them. Don’t take that risk. Similarly, if your investment advisor recommends placing all of your money in variable annuities, whole or variable life insurance, limited partnerships, or a private investment, you likely have a very risky, unsuitable portfolio. [another question to ask is whether]: Is Your Portfolio More Volatile Than The Market? Investing is not without risk, and not every loss entitles an investor to a legal recovery. But if a suitable investment portfolio has been constructed, the market fluctuations losses an investor experiences ought not to be significantly greater than a well known benchmark for the entire stock market, such as the Dow or the S&P 500. If, when the overall market is down 10%, you are down 40%, it may well be a signal that you are in investments that are unsuitable for you. Steer clear of any advisor who has the same solution for everyone – whether a standard selection of stocks and bonds, a variable annuity, an equity indexed annuity, whole life insurance, limited partnership or tax shelters, or private investment deals. In investing, one size does not fit all. Each of us has our own set of financial circumstances, retirement goals, immediate and long term cash needs, and risk tolerance. Our investments need to be tailored to fit our individual situation. Often, such advisors are either poorly trained, or promote what is going to generate the most commission for them, whether or not suitable for their client. If you believe you have been placed into an investment not suitable or appropriate for you, feel free to contact me to see if there might be a remedy.
19 Apr 2012
504
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7:05
Flour Mill Machinery, Flour Mill Plant, Grain MIll Machinery. *******www.flour-mill**** Speaking of wheat flour mill quality manage, KMEC is not conscious of that the quality of one's wheat is enhanced till passes the flour in varying processers prior to they lastly come to . At first, the wheat is grinded to satisfy the customer demand for flour. The wheat with differing characteristics is processed inside a fast succession against spinning disk that grinds the wheat on metal pins. However the grains which will crack are eliminated as they're viewed as unsuitable for grinding.
7 Jun 2012
1107
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1:37
Download: ********play.google****/store/apps/details?id=com.goodsoundsapps.fartfaker Trick everybody with Fart Faker sound on motion app! Activate fart motion mode, put the phone in your pocket and start farting. Play pranks on your friends and the people around you by playing fart noises in inappropriate places and situations. At first they will be disgusted but when they see that your phone is actually a fart machine, they will laugh like crazy and everybody will want to have the same app like you. When you press the button you will hear random boys and girls farting, long and short ones. You have to admit is so funny. Be the first one in your company who has Fart Faker! Settings: -Adjust the Volume -Adjust the sensitivity (the higher the sensitivity, the smaller the intensity of the motion) You can play the funny farts in different ways: Motion fart mode: 1. Click "Start Motion Fart Mode" and put it into your pocket. Motion mode will become active after 10 seconds. 2. Raise your leg up like you are going to pass gas. 3. Repeat as many times as you like. 4. Turn off by "Stop Motion Fart Mode" What is a fart? Fart is English language onomatopoeia, most commonly used in reference to flatulence. The word is generally considered unsuitable in formal situations as it may be considered vulgar or offensive. Device compatibility: ================= App has been tested on HTC One X (Android 4.0 Ice cream sandwich), Sony Ericsson Xperia Arc S (Android 2.3.4 Gingerbread), Samsung Galaxy S2 (Android 2.3.7), Samsung Galaxy Tab 10.1 (Android 3.1 Honeycomb) and Samsung Galaxy Mini (Android 2.2.1 Froyo). Please report bugs with phone and operating system information. farts, fart sounds, soundboard, android, app, motion, faker, furz, furz app, furzgeräusche, pet sons, Scoreggia, scoregge gratis, Pedos, Pum, peidos, engraçados, пукать, пукает, pierdzenie, dzwieki, prd, prdí furz, furz app, furzgeräusche, pet sons, Scoreggia, scoregge gratis, Pedos, Pum, peidos, engraçados, пукать, пукает, pierdzenie, dzwieki, prd, prdí
18 Jan 2013
396
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1:54
It's 1961 and attractive, bright 16-year-old schoolgirl, Jenny is poised on the brink of womanhood. Stifled by the tedium of adolescent routine, Jenny can't wait for adult life to begin. One rainy day, her suburban life is upended by the arrival of an unsuitable suitor, 30- ish David. Urbane and witty, David introduces Jenny to a glittering new world of classical concerts and late-night suppers. Just as the family's long-held dream of getting their brilliant daughter into Oxford seems within reach, Jenny is tempted by another kind of life. Will David be the making of Jenny or her undoing?
7 Apr 2013
506
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1:51
More info on Goji berries here - *******saxox****/gojiberryadvance/ Are you making an attempt to lose fat? You possibly can say that cardio exercises are the best to lose fat and on this article we'll discuss in regards to the three best cardio for fat loss. These 3 exercises can actually make a great change in your fat loss journey. There are lots of people doing cardio exercises with no outcomes, it's possible you'll say. Properly, that is as a result of they're doing it the unsuitable way. You need to do exercises that could be achieved continuously for about 20-60 minutes. The advantage of cardio is it raises your coronary heart rate and keep it raised for very long time, so do not go for exercises that you can not do for 20-60 minutes. Here are three of the best cardio for fat loss: * Rowing: it is one of the best you can do because it includes all the primary muscular tissues in your body. Rowing can burn fat more than different exercises if you are able to do it for lengthy periods. * Stair climbing: you may burn one hundred calories doing stair climbing for only ten minutes. Doing this train for a couple of weeks provides you with lean muscle, make you burn plenty of fat and offer you an attractive look. * Running or fast strolling: whichever you are able to do of those two exercises gives you great results. Strolling or operating also work all your body's muscle tissues which makes you burn more fat. You are able to do them indoors but it's better to do it outdoors particularly if you're doing it in the morning.
18 Jun 2013
287
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1:24
Today’s youth is tomorrow’s future, they say, what would be better than nourishing the youth in order to strengthen the future? And so, Dipankar never leaves a chance to enrich the youngsters. Volunteering as an adviser at “MySkills Foundation”—an NGO that transforms the lives of at-risk youth—the seasoned personality spends a lot of his time with the kids. By the means of foundation, Dipankar strives to support youth who come from dysfunctional families, unsuitable living environments, lack spiritual values, live in poverty, have negative peer group influences or face unequal educational opportunities.
25 Feb 2019
108
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