The Mirror’s vituperation was lost on investors though.  Their support for sterling on Thursday made it the joint top performer among the major currencies, in an uneasy partnership with the euro in foreign exchange provided by moneycorp.  Sterling added one US cent, four and a half yen and around one and a half cents against the commodity dollars. It is unchanged against the euro and the Swiss franc.

The two things that could have gone wrong for sterling yesterday, but didn’t, were the services sector purchasing managers’ index (PMI) and the Monetary Policy Committee announcement.  The latter made no mention of further asset purchases and the former was really quite good; at 52.4 it was half a point better on the month and a point and a half higher than the best Euroland reading, Germany’s 50.9 in Moneycorp international money transfers services.

Thursday’s biggest mover, by a long chalk was the tumbling Japanese yen.  By the time London opened yesterday it had already fallen a fair way following the Bank of Japan’s decision to ramp up its asset purchase programme.  Since that announcement the yen has lost 4% of its value and the loss is likely to increase over time as Japanese investors move more of their assets abroad.

There were high expectations for the European Central Bank president’s press conference yesterday afternoon and Mario Draghi did not disappoint.  He said the Governing Council had had an “extensive” discussion about lowering the 0.75% Refinancing Rate and was considering “non-standard measures”, assumed to mean bond purchases.  In the context of “downside risks” to the Euroland economy those comments sent the euro lower.  It recovered when Sig. Draghi distanced himself from the Eurogroup president, who had said last week that the Cyprus bailout would provide the blueprint for future rescues.  Of the decision to seize bank deposits, the ECB president said “that was not a smart move” and as for future bailouts, “Cyprus is no template”.

Things should be less hectic for the euro today but there are a couple of important ecostats; German factory orders and Euroland retail sales.  There are no UK data.  After lunch Canada and the United States both release their balance of trade and employment data.  The change in US non-farm payrolls tops the bill.  February’s 236k increase was the biggest for a year.  The March number is expected to be close to the 191k average increase over the last three months.  The usual rules apply; the nearer the number is to expectations, the less effect it will have on exchange rates.  Have a good weekend.

Failure To Pay On Time Or Missed Payments

Late or missed payments on your credit card or your loan can shave off a lot of points from your credit score. Your payment history accounts for a large percentage of your credit score so it is very crucial that you make your payments on time.

Missed or late payments appear in your credit report and any lender or creditor reviewing your credit report will see your entire credit history.

They can then use this to predict the likelihood of you missing payments or making late payments in the future. Needless to say, having missed or late payments in your credit history doesn’t really put you in a positive light.

Closing Accounts

You might think closing your account will help your credit score, but it doesn’t. If you close your credit card account it will eventually be removed from your credit report and with it, your credit history with that credit card account goes, too.

If you had a good payment history, closing your credit card account will also mean removing that good payment history from your credit report. Future lenders and creditors won’t be able to see your history and this may affect any application you have with them.

Closing your credit card account can also affect your utilization rate and this can lower your credit score.  Utilization refers to the percentage of your credit limit that is being used. Removing one of your credit cards can change your utilization rate and in turn affect your credit score.

Opening Too Many New Accounts

Every time you apply for a new loan or a new credit card the financial institution checks your credit score. The check they run appears as a hard inquiry which, if done too often and too regularly, can easily damage your credit score. A hard inquiry remains on your credit score for two years and ten percent of your credit score is based on credit report inquiries. Why is this a bad thing? Because it implies that you are shopping around and trying to acquire too much credit at once.

And, worse yet, if you receive a number of new credit cards within a short period of time, and subsequently max them out, and are not able to immediately repay them, your credit score will drop because your debt load will be too high.

Having a High Credit Card Balance

Having a high credit card balance not only jacks up the interest on your account, but it also affects your credit rating. Over utilization can cause your credit score to fall.

Paying your bills on time, and paying as much as you can to lower your total balance can help keep your utilization down and raise your credit score.

Defaulting On A Loan

Defaulting on your loan can hurt your credit score in a really bad way.

It basically tells creditors and lenders that you failed to hold up your end of the agreement.

Although a negative report such as a default can stay on your credit report for a long time, it’s not impossible to rebuild your credit score. You can slowly but surely build up your credit score by making on-time payments, and maintaining a low balance on every loan or credit card you have.

Your relationship with Jesus Christ

In Mark 8:36 Jesus asks us:

What good is it for someone to gain the whole world, yet forfeit their soul?

He was of course presenting to us the contrast between gaining worldly wealth at the expense of eternal salvation, that only comes through a committed relationship with Him. No matter how attractive wealth may be in the moment, it will never be worth sacrificing eternity for.

If you are a believer, you know this to be true, at least intellectually. The problem however is that we often confuse financial success for right standing before God. But right standing before God has nothing to do with money. You are no more blessed when you have money then you are cursed when you don’t.

Your health

If you don’t have your health then almost nothing else will matter in your life. It is more important than money because once it’s lost you cannot replace it. No amount of money can reverse a heart attack, a bout with depression or a cancer diagnosis.

It is never worth compromising your health for a job, a career, a business, or the pursuit of money. At a minimum, health has to be at least reasonably maintained throughout your life. Money can interfere with this because it can turn into a crusade if we become obsessed with it. When that happens, your health can easily be ignored.

Your time

Once again, time is one of those commodities that once lost it cannot be restored. You can spend years out of your life chasing financial success in giving up time for virtually everything else in the process. Worse, if you don’t achieve the success you seek, the time invested will have been wasted.

Balance is important when it comes to time. Some needs to be spent earning money and building at least a small amount of wealth. But you also need to spend time taking care of your health, spending time with people, spending time in prayer and study, and spending time nurturing yourself.

Your family

It’s not at all uncommon for people who are obsessed with financial success to ignore their family. Many times, family will be held up as the whole reason for pursuing financial success. That can be a weak connection if in the pursuit of wealth you fail to spend time and dedicated attention to the people closest to you and who you love best.

Years lost pursuing wealth will be difficult to overcome at a later date in life when you finally become aware of the damage that has been caused by the chase.

Your Integrity

It’s not always easy to maintain your integrity during the pursuit of wealth. There’s a fine line between pushing the envelope and outright breaking the law. Many well-meaning business people end up stepping over the line. It’s doubtful that they ever do it intentionally  it is very likely that it is more an evolution than a decision.

Guard your integrity like the precious gift that it is. Once it is lost, it will take many years to rebuild the standing that you once had  if that will even be possible.

Money is certainly important; we need it to live our lives and to make future plans. But never give it magical powers, or assign it the highest position in your life.

Can you think of other areas of life that are more important than money?

Here are just a few

Tutoring

Just because you are out of school for the summer doesn’t mean everyone else is. There are high school and college students who are either taking summer school courses, or are taking advantage of the long break to strengthen their understanding of subjects they are weak in.

If there are any subjects that you are particularly strong in, you can offer your services out as a tutor. You can do it through your own college, or through local high schools. Parents and students often need good tutors and turn to the schools because they don’t know where else to go. If you’re on the list, you can be making $30 an hour tutoring, rather than working in a burger joint at minimum wage.

Camp counselor

Summer camps are very popular, and they’re about a whole lot more than camping. They can be sports or recreation related, or they can even be instructional or musical. If you have an aptitude in any these areas and have the patience to work with kids, this can be a very rewarding summer job. The pay isn’t always the best, but the working conditions are usually a lot less stressful than most other jobs.

Lifeguard/pool maintenance

Summertime means swimming, and that means all kinds of job opportunities open up at pools and beaches all over the country. You can either work as a lifeguard, or doing pool maintenance. As a lifeguard, you usually have to have proper certification, and that will vary somewhat from one state or community to another. But if you’d rather be around a pool or at the beach during the summer, this could be the job for you.

Golf caddy

If you like golf, being a caddy would be an opportunity to spend more time out on the golf course, and get paid for doing it. In most places, summer is high time for golf, and there are plenty of jobs all around.

Movie theater attendant

With the possible exception of working at a pool or beach, there’s probably no better job in the summer heat than working as an attendant in a movie theater. You will be working in air-conditioned comfort with access to free or discount movies – while your friends are out pushing lawnmowers and painting houses in the hot sun. Movie viewer-ship tends to peak in the summer, so jobs are not hard to find.

Any job in a hotel

Since summertime is also peak travel season, hotels are looking for staff for virtually all positions. There’s probably some job within the hotel industry that you would find very agreeable. One of the biggest advantages here is that it could pave the way for a career in the hotel industry later on.

For the most part, you will have very pleasant working conditions  again, working primarily in an air-conditioned environment as well as the opportunity to meet a large number of very interesting people. If you’re close to graduation, working in a hotel may also be a good way to begin networking for the position that you’ll be looking for to start your full-time career – networking opportunities will be everywhere in a hotel.

House sitting

These jobs aren’t that common but they’re close to a dream situation if you can find one. Many people especially the wealthy take extended summer vacations where they will leave their homes for weeks, or even for the entire summer. You may have the choice of either looking in on a house several times a week, or even living at the house while the owners are gone. In the second scenario, you not only have a paycheck, but you also have free living accommodations for the summer.

Are there other summer jobs you have held in the past that you would recommend to others?

Consider your transportation options first.

Don’t let driving be your default mode of transportation. Consider your other options first.

Can you walk or bike to your destination?

Is there public transportation that can take you there? Can you carpool with other people?

Try to think with cost savings in mind and you’ll find that driving your own car may not always be the best option if you’e trying to save money.

Get on the road with a purpose.

If you’ve decided to take your car, plan your trip carefully and avoid unnecessary trips.

Schedule your errands in one day and plan out the most efficient route to save on trips and mileage.

If you need to go a specific store, make sure they’re open or that they have what you need. You can also try calling first to check if they deliver. Avoid traveling during rush hour or peak times to lessen the time you’ll spend in traffic.

Make sure your car is in good condition.

Keeping your car properly tuned up can help you save on gas.

Check your car to make sure everything is working fine.

Check tire pressure, axles, springs, the suspension and chassis parts.

Make sure the air filter isn’t clogged. Keeping your air filter clean can improve your gas mileage by as much as 10%. Go for energy-conserving motor oil, too.

If your car is working properly, the engine won’t need to work harder than it should.

Remove the unnecessary.

If you don’t really need them, remove bike racks or vinyl tops to avoid air drag that can be a stress on your car engine.

Remove extra weights if possible. Take out unnecessary stuff you have in your trunk.

Extra weight means more work for your engine, which burns more gas.

If you can go without air conditioning, do it. Roll down windows if you have to. Reducing air conditioning can reduce gas consumption.

Drive carefully.

Aside from keeping you safe, driving steadily can help with your gas consumption, too.

Drive within speed limits.

Avoid sudden and hard stops and don’t weave around or swerve around. Also, pay attention to traffic reports so you’ll know when to avoid traffic jams on the roads.

Be smarter when parking your car.

Look for a shaded spot during hot months to keep your car cool and avoid overworking your AC later. If you can’t find a parking spot with shade, roll down your windows just a little bit to let air circulate.

Don’t spend too much time driving around looking for the nearest parking spot. Don’t be afraid to park and walk a few steps to where you’re going.

Be smart at the gas pump.

Go for the lowest octane or grade that is appropriate for your vehicle; premium fuel that’s priced higher won’t exactly improve your car’s efficiency. Avoid filling the tank to the brim as it can result in fuel spilling over, which is an unnecessary waste.

Be aware of gas station loyalty or membership card benefits if they are available. Also consider grocery or department store membership cards that offer fuel discounts.

Don’t be too concerned with brands since they all use the same pipelines and refineries anyway.

Think about cost savings more than branding although be aware of quality as well. Check out gas prices while you are out and about to see which gas stations are offering the best deals available.

Track your gas expenses and even your trips.

If you’re intent on spending less on gas, then learn to track your fuel expenses and your trips. Every time you purchase gas, write it down. Note down mileage and how much you bought. Through your records of your trips and gas expenses, you’ll be able to assess how much you spend every month and you’ll be able to make adjustments if you have to.

This is tragic, especially when it is the exact opposite.

One of the reasons why is because there are images that are so intertwined with the word that it can be hard to separate them. We all know the iconic stereotypical capitalists.One of the more famous and well known is the Monopoly game mascot Rich Uncle Pennybags, whose black suit and top hat, along with his distinct moustache, gives him a superior air that is easy to associate with wealthy individuals who profit at the expense of others.

Another figure who I often hear used as an example of capitalism is Mr. Potter from it’s a Wonderful Life,a 1940′s film by Frank Capra that has become a Christmas classic.

In the film, George Bailey, the main protagonist, runs a small building and loan to help people in his small town of Bedford Falls afford a home, all while trying to hand the business over to someone else so he can pursue higher career aspirations in the world.

Meanwhile, Mr. Potter is an elderly man who owns a number of businesses in town, including the department store and the bus lines, as well as shacks that he rents out to the majority of people in the town.

Unlike Bailey, who is seen as a man of the people and remains in the business primarily to help the residents, Mr. Potter is cruel, mean, nasty, greed, and selfish. Throughout the entire film, he attempts to run Bailey out of business or buy him out, all to no success. Finally, when he accidentally receives $8,000 from Bailey’s building and loan, he steals it, knowing it will put Bailey out of business.

Mr. Potter is often used as an example of a capitalist, and the film an attack on capitalism. Regardless of whether this was or was not the director Frank Capra’s intent, to think Mr. Potter is at all capitalistic is to infer a gross misunderstanding of what capitalism actually means.

Capitalism, in its basic essence, is the free exchange of goods and/or services between two private parties. That’s it. And whenever there is a third party interfering in the exchange, it is no longer purely capitalism.

In reality, George Bailey is the true capitalist (though not a pure one) of the film, while Mr. Potter is what I would refer to as a small town socialist.

A small town socialist is defined as someone who runs a business in a small town, but loathes competition and seeks to hold a monopoly to keep prices high so they profit at the expense of the customer, who has no other place to go. They also rely on protectionism through government to protect their business from competition.

Mr. Potter fits this description perfectly. Because he lives in a small town like Bedford Falls, he does not have to worry about someone competing with him, because there is not a big enough population to support another similar business. As a result, he is able to charge outrageously high rent for his shacks. The source of his wealth, therefore, is the direct result of the absence of competition.

This is where George Bailey comes in. He is a competitor to Mr. Potter by offering the residents of Bedford Falls the opportunity to own their own homes, rather than pay rent to Potter, at a cost that is near to what they pay for their rent.

The difference in their attitudes is that Bailey sees the people as customers whereas Mr. Potter treats them more like feudal villeins, people who could not legally leave their lord’s land without his permission.

In order to beat Mr. Potter, Bailey doesn’t appeal to the city, to the county, or to the state to pass a law or ordinance that would negatively affect Mr. Potter’s rent racket while benefiting his own building and loan.

Instead, he beats him in a capitalistic way by offering a better service. He allows them to buy homes, however modest, which then become worth twice as much as it cost to build them. Bailey is able to do this because, unlike Mr. Potter, he knows he can’t possibly compete if he demands the same salary, so he keeps very little money for himself.

From there, the outcome is both obvious and inevitable. The residents flee Mr. Potter’s rented homes and flock to Bailey’s residential homes. This is demonstrated in a scene where Mr. Potter’s rent collector explains to him in a very blunt manner that his business model can’t sustain itself, because it is clearly inferior to Bailey’s.

Mr. Potter’s reply is telling. All he can say in return is that Bailey isn’t becoming rich off of it. In no way is he unwilling to change his habits.

In reality, he has two options. One is to act like a capitalist by acknowledging the business model is poor and amend it. But that would mean his income would be hit substantially, and even with all his wealth, he isn’t willing to surrender a dime.

So, instead, he tries to buy Bailey out by offering him a huge salary to work for him, which Bailey is smart enough to see will only be temporary. He also understands that Mr. Potter’s superior position is also fleeting and won’t last forever.

Unable to beat Bailey in any other way, Mr. Potter has to resort to theft, which even then is thwarted at the end when the residents come to Bailey’s aid.

There are also several scenes that indicate Potter uses political connections to gain favors and advantages. When Mr. Potter is listening to his rent collector, his receptionist informs him a senator is waiting to see him; Mr. Potter, of course, tells her the senator can wait, which infers he owns the senator and probably bankrolled his campaign.

On the other side of the coin, Bailey looks at it from an entrepreneurial perspective. When he inherits the building and loan from his father, he actually hates working there. But he understands it has an essential purpose by providing the people of the town with an alternative to Mr. Potter, i.e. competition so he cannot raise his rent even higher.

Very much like Walt Disney, who only started to make an actual profit from his company in the 1960′s after numerous decades in debt, Bailey puts all the revenue the building and loan receives into further investments. This allows him to offer homes at affordable prices.

This isn’t to say Bailey is a good businessman, which in many ways he isn’t. Like most people during the late 1920′s, he relies too much on artificial credit, gives risky loans, and puts his building and loan way too far in debt. When the town bank comes to collect its money during the 1929 Stock Market Crash, they’re forced to hand over everything dime they have, all while in the midst of a bank run in which everyone comes to the building and loan to pull out their money.

Yet, even when faced with the consequences of his poor business decisions, Bailey takes personal responsibility for it. He doesn’t expect the government to bail him out or foot the bill. He takes $2,000 he intended to spend on his honeymoon and gives it to the building and loan so it can remain solvent; he also does it to prevent his customers from selling their shares at artificially low prices to Mr. Potter.

Too often people equate capitalism with greed and selfishness, i.e. a person’s attitude, not their business practices, is what makes them a capitalist or not.

To quote Adam Smith, It is not from the benevolence of the butcher, the brewer, or the baker that we expect our dinner, but from their regard to their own interest.

What makes a person a capitalist is not their attitude, but how they engage in business. George Bailey may not be the best example of how to run a business, but Mr. Potter is certainly not a good example of what capitalism is all about.

Loans and credit cards are useful, but there’s no reason to consider endless debt as normal. Here are five important reasons why you need to get out of debt now:

You’re paying too much interest.

Here’s an example: if you were told to set aside money from your income each month but were told that you won’t get anything in return, would you agree? That’s essentially what happens when you pay interest.

A lot of credit card holders are use to the routine. They purchase something, but instead of paying  off the entire amount, they pay only the monthly minimum, and then they pay through the nose for interest. Interest is tricky, and the longer you let it sit (especially if you pay only the minimum required) the higher the amount you’ll have to pay. In fact, high interest rates can push you even further into debt.

You won’t be ready in case of emergencies.

Debt doesn’t seem like so much of a problem when you are able to keep up with the minimum payments.

However, when an emergency strikes, that’s when you realize the value of being debt-free.

Hospitalization, medical emergencies, home maintenance, car trouble all of these things are quite costly and usually unexpected.

In the event of an emergency, you will have to prioritize these expenses, obviously. That means you won’t be able to make your regular debt payments. This could lead to trouble later on, as defaulting on loans has serious consequences.

It prevents you from investing properly.

If you’re paying off your debt regularly, it’s likely that you don’t have enough left over to invest or save. This means you’re not protecting your retirement years, and you’re thinking short-term instead of long-term.

Investing in your retirement is important because you’re planning ahead and ensuring that you won’t suffer financial difficulties when you’re too old to work. The money spent paying off interest would be better off invested in your retirement fund.

It will stress you out.

Most of the time, you can treat debt like that elephant in the room that everyone has to deal with but no one likes to talk about. At some point, however, the amount of debt will take its toll and you’ll start feeling the pressure. It becomes doubly worse when something comes up and you start getting behind on making payments. With collectors after you, your stress levels are bound to shoot up.

Stress is one of the hidden effects of debt, and people with more debt are more likely to suffer from stress-related diseases like ulcers, anxiety, depression, migraines, and heart disease.

By getting out of debt, you’re improving your health and likely lowering the cost of your medical bills, too.

You’re not free.

It’s not a coincidence that they call it debt-free

You’re constantly bogged down not just by the feeling of debt, but by the fact that you don’t have enough money to spend on anything else. Since you’re tied up with debt, you have to put aside some goals like travelling, pursuing higher education, or opening up a business of your own.

If you do make the decision to use loans to further your plans, then you’re not getting out of this scot-free. You’ll have to deal with increasing debt, and over time you will feel more and more trapped  emotionally and financially. This is something that can really prevent you from growing as a person.

Of course, you should take your time. It’s impossible to assume that you can get out of debt in one day. You will have to start making changes and improve your attitude towards loans and debt.

1. Automatically Turn off the Lights

People often develop a habit of leaving the lights, television or other electronic devices on while they are not in use. Perhaps the simplest way to save energy with minimal effort is to get in the habit of turning off items that are not being used. In addition, parents often pass on these habits to their children; by making turning off appliances and lights a family effort, it is possible to use significantly less energy. When all else fails, install timers on lights that are often left on. When no one is around, the lights will turn off by themselves.

2. Efficiency Upgrades

All green experts agree that efficiency is a cornerstone of going green, and efficient items have never been easier to find. Window upgrades can be tremendously effective as modern windows are able to provide better insulation than older windows. In addition, modern appliances use far less electricity than older appliances; consider upgrading your appliances.

3. New Lights

CFL lighting has become popular in recent years, and those who switch from incandescent lights to CFLs can save a significant amount of money while spending less on their lighting. Those who want the utmost in energy savings, however, may wish to consider LED lighting. While LED lighting is more expensive up front, many LED lights are rated to last for 20 years or longer. In addition, they use less energy than other lighting solutions.

4. Conduct an Audit

Many of the best ways to save energy in your home may be counter intuitive, and there may be strategies you can employ that cannot be found in online guides. There are, however, experts who can help you determine ways to save energy by performing an audit. For most homes, the cost of this audit will be far less than the amount of money you can save over time, and those who follow the advice given by experts will be able to use considerably less energy.

5. Save on Temperature Control

For those who live in warmer areas, using fans instead of the air conditioner may be effective at saving electricity, and doing so requires no effort. Another option many are taking advantage of is using programmable thermostats. These thermostats can allow homeowners to turn off their air conditioning or heating while nobody is at home and to automatically turn them back on before people arrive. Heating and cooling are essential in many parts of the country, but it is possible to save a significant amount of money while keeping your home comfortable.

People have a number of motivations for saving energy. Some want to help reduce the amount of carbon dioxide that ends up in the atmosphere while others simply want to save some money. Fortunately, there are number of great tips available at http://www.energyproviderstexas.com/reliant-energy-texas/C/Cushing for those who wish to use less energy.

Losing track of what’s in our bank accounts can happen to the best of us and more often than not, bills will come in thick and fast. It seems that both the household energy bills and rent are often due in the same week. If, up until now, you have always paid your rent on time then coming up with a solution shouldn’t be too much of a problem:

Ask your landlord for an extension

If you have been in your housing contract for many months and this is the first time you have been short on your rent, then it is more than likely that your landlord will understand. Paying an estate agent to look for a new tenant will only cost them both time and money.

A little is better than nothing

Paying your landlord as much as you possibly can is better than paying nothing. He or she will appreciate your effort and as such, they will likely give you the extension you desire. You may only be £100 short and expecting a wage in the next few days; if this is the case try to warn your landlord in advance.

New tenants

If you are a new tenant and have only been renting for a few months, your landlord may not be so lenient. In this case you may have to come up with the goods another way. Borrowing money in the form of an unsecured tenant loan is certainly one way to cover your rent without getting the homeowner involved. When opting for this option you must make sure that you are able to pay the lender back, otherwise you risk racking more debts and getting into financial difficulty.

Ask for an advance on your wage

If you have been in your job longer than you have in your housing contract, it may be wise to ask your employer for an advance on your wage as opposed to asking your landlord for an extension. Arrange a meeting with your boss and explain the situation clearly; if you are a good employee, both parties may be able to come to some sort of solution.

What You Should Do

After your accident, immediately seek medical advice. Even if you don’t think the injury is that serious, you must get a doctor’s opinion. Not only is this important for your own health, but if the case goes to court, not seeking out medical advice can be seen as exacerbating your injuries. It’s also a lot easier to prove the extent of your grievances after the incident.

Negotiating

If you’ve decided to make a claim, it’s possible to come to a favorable settlement without going to court. Seeking a lawyer is recommended at this stage, but not always necessary. It’s in everyone’s best interests to settle compensation without legal proceedings, as the cost of going to court can be staggering for all concerned. However, if you feel as if you’re being short-changed and your lawyer advises you to pursue the case, don’t be afraid to seek the compensation your injury deserves.

No Win, No Fee

Don’t worry if you can’t afford to pay a lawyer. Operating through a ‘no win, no fee’ personal injury firm, you won’t have to pay any solicitor fees, as all costs will be recuperated from the other side.

Usually, personal work accident solicitors will only take you on if you have a strong case, because if you lose, they don’t get paid. Be sure to make your claim as strong as possible before you contact a law firm. A ‘no win, no fee’ solicitor can be counted on to fight your case well, as their pay cheque is on the line!

You’ll need to see an independent medical specialist to review your injuries and the impact these will have on your quality of life in the long term – your lawyer can arrange this. Make sure you file any expenses that legal action has cost you, as you may be able to claim these back in court. Keep record of the wages you’ve lost since your accident.

Preparing For Your Court Case

The more prepared you are, the better. If possible, take pictures of any negligence at the scene of your accident, whether that’s faulty equipment or a slippery surface. Take down the names of witnesses and contact them if you need an account of the incident.

If your injuries are still mending, you’ll be advised to postpone any legal action until you’re as well as you can possibly be, given the circumstances. Although it’s important to act as soon as possible on your claim, you must wait until you’ve recovered from the accident before you proceed. In the meantime, the best thing you can do for your case is look after yourself.