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Take Some Time To Learn About Lawyers

No matter what type of lawyer you are looking for, you can easily find the right one if you have the right information. Finding a good attorney poses a challenge for many people, but this is because they lack the proper knowledge to go about the task. The article below has the information you need.

A lawyer who specializes in a specific issue will be an advantage for you. Specialized lawyers can be more expensive but these lawyers have extensive experience with cases like yours. You should avoid lawyers who spend most of their revenue on promoting their services and rely on their good reputation and results instead.

When you want or need a personal injury attorney Las Vegas then you are for sure looking for someone who specializes in a specific area of law. Ask your family if they know of anyone, you could also ask your friends about this too. Once they make a suggestion, then you can call them up and schedule an appointment to discuss your case and make a decision if you like them and want to work with them for the next year or more.

If you already have a great lawyer, ask them for advice. They can either tell you that they can take on your case, or point you in the direction of a lawyer who will help you out. When you already have a lawyer you trust, there is no reason to search out advice elsewhere.

Check online to find out what sort of fees are typical for your legal issues. This will help you avoid being scammed down the road. Choose a lawyer who has a good track record and a great deal of experience to ensure that they don't overcharge you for their own time-wasting mistakes.

Do not pick a lawyer because you saw their ad on television or on a billboard. Many big firms that can afford this type of advertising use lawyers that are fresh out of school for most of their cases, but charge you for the experience held by its highest lawyers.

It is important that the lawyer you hire is one who is experienced on the field you need help with. For instance, if you need a lawyer for a divorce, it would not be wise to hire a lawyer specializing in taxes. When you hire a lawyer familiar with the problem, you need help with, you have a better chance of positive results.

Make sure you understand the costs associated with a particular lawyer ahead of time. Before you even begin the process of seeking someone out, you need to think about what you can afford. As you call different lawyers, discuss fees and the payment schedule. Do not be surprised later on!

Don't hesitate to ask lots of questions to every potential lawyer. Lawyers should not hesitate when answering your questions, nor should they evade them. Their responsibility is to make you as comfortable as possible with their experience and knowledge. If something doesn't feel right, go with your gut and move on to find someone more suitable.

Find out up front how frequently you should be in tough with your lawyer. If you need them to get in touch with you quickly after you contact them, communicate that to them up front. If you face this problem with your current lawyer, find a new lawyer at your earliest convenience.

If your lawyer has a busy schedule, your case may end up costing more to complete. That's because it will end up dragging on as they tend to all of their other clients. Try to select a lawyer who isn't running around like a chicken with their head cut off!

Your lawyer should not act like you could not understand what he is doing for you. A good lawyer will not only be willing, but will insist that you should know what is going on each step of the way. Lawyers that do not follow this rule are not of a high calliber and should be avoided.

There is a great deal of legwork necessary in a legal case, both research and actually talking to witnesses, which will lead to the development of the presentation of your lawyer in court. That means any lawyer who tells you you'll win up front has no idea what they're talking about.

Don't pick a lawyer based on an advertisement. You may be interested in someone that goes by "Justice Man" or "Strongarm," but those personas are just to get your attention and your money. Many of these lawyers are compensating for their lack of professional skills. It's always best to do some research on any lawyer before you choose one, and to avoid relying on billboards, radio, magazine and television ads.

If your family member has died while working, you might be able to get compensation for this. It can be hard to make sense of someone else's financial records and insurance policies. Bring all of your information to a lawyer to get the highest level of clarity.

Now that you've come to the end of this article, you have some solid tips that will help you find a good lawyer. Take what you've just learned to heart, and find the best lawyer that you can. Soon, you will be competently represented in whatever legal challenge you are facing.

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The Otcbb Predictors In Penny Stock Trading

If you would like to invest in the field of stock trading, you need to be able to know how the market works and should be able to monitor the rise and fall of the prices of stocks. While for some, this can be quite difficult to do and thought that it should only be done by the experts, regular and average people may be able to actually have significant capital gains if they invest in the stock market. You only need to decide where to invest. You may be able to do so by investing in the large-cap companies or you may also invest in the penny stock market.

Now, should you choose to invest in the penny stock market, then you need to be able to know how it works. It is important that you have to know which companies you will be investing. In this case, there are OTCBB predictors that you have to consider so that you will be able to decide well as to which companies you need to invest in or which stocks that you will need to trade.

Predicting the trend in the penny stock trading:

The predictors of the large-cap companies are the NASDAQ and the Dow Jones Industrial Average. These should provide large-cap companies with the trend of the gains and losses in the big boys of the world of stock exchange. In the same way, the same predictors are also being used to reflect the gains and losses of the penny stock market.

In the world of stock market, it is the large-cap companies that separate a highly lucrative firm from that of a small company in the stock market. The penny stock market is actually the opposite of the large-cap companies. It is of this reason as to why smaller companies are being delisted from NASDAQ because of their small nature. And if you only have a small capital, it is wise that you invest in the penny stock market.

However, as mentioned, it is still the Dow Jones and the NASDAQ which serves as the predictors of penny stock trading even though they are categorized in the large-cap companies. You may wonder why. However, the reason why penny stock trading is still dependent on the large indices is primarily because the trends in the stock market of large-cap companies do have a significant effect on the smaller markets or that of the penny stock market. It is only but fitting and proper to regard the two as highly relevant to each other.
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Are Penny Stocks Legal?

Penny stocks do not trade on the main stock exchanges. They have not been approved by the SEC, but nor have they been disapproved by the SEC. They are labeled as a high-risk investments. Very little is even known about them, and they are often used in Internet e-mail spam scams. Are penny stocks even legal to invest in?

Though they may sound scary and they may be unknown, even a little mysterious, there is nothing illegal about buying penny stocks. There is a lot of information out there, a lot of it bad and much of even frightening, but investing in penny stocks does not mean that you are breaking a law.

It means you are taking a chance, but there is nothing illegal about that, is there? Yes, penny stocks are considered high-risk investments, but for a relatively small price investors can buy shares and (one hopes) turn around to make a large profit. This is the draw of penny stocks, what makes them compelling.

Also, when you buy penny stocks through a broker, you should get regular updates. Once a month, you will get information about your penny stocks and what their status is. This is something your broker has to do if youve invested in penny stocks, something that the broker is actually required to do. This lets investors track the progress of their stock.

The only trouble is, sometimes things happen very quickly in the world of penny stocks. These stock infrequently trade, and when they do trade they are not traded through the well-known and established stock exchanges. This makes is hard to both buy and sell penny stocks, so some investors are afraid of getting stuck with a stock that they cannot unload.

However, a stocks risky nature does not make it illegal, or even a bad investment. There are many things that are risky (like driving), but many people do not let high risk stop them. In the world of stock investing, there is often risk involved. Perhaps penny stocks are considered riskier than some, but at the same time there is great potential to make a lot of money by investing in these penny stocks.

Penny stocks are low-priced, shares of companies that are generally on the small scale. These stocks are traded over-the-counter rather than on public exchanges, and this is why many investors know very little about penny stocks in general. To find more information about penny stocks, you can talk to your broker or do a little research in business journals and the like. There is information out there, and there are investment opportunities available. It is just a matter of finding the rights ones for you.

If you are considering an investment in penny stocks, it is okay. Risky, yes. Mysterious, definitely. Potentially big? Sure. But illegal? No, not at all. At least right now, penny stocks are traded completely legally and under the guidelines of the SEC. Investing in these stocks can be a little exciting and a little dangerous, but you will not wind up in jail.



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Look No Further The Best Tips About Personal Injury Are Right Here!

You don't go into a lawsuit easily when you choose to start a personal injury case. You decide to go for what's right, but how are you certain you will win? Preparing yourself will improve your chances of winning your case. This article will help you get better results in court.

As soon as the accident happens, write down everything you can think of. It is the details which ensure your case is tried fairly, and those details may become foggy over time. Especially where fault isn't obvious, knowing all of the details can alter the view of the person presiding over your case.

Ask for referrals from family members and friends to find a good personal injury lawyer. This will dramatically increase your success of locating a lawyer you like. You need the best attorney that money can buy.

Get a lawyer who specializes in personal injury cases. The law covers a vast area, so most lawyers choose to focus on a specific legal area. A real estate or divorce lawyer will be ill-equipped to handle a personal injury case effectively. If you already have a reliable lawyer who specializes in a different field, ask them for a referral to a trusted colleague who does work in personal injury.

As stated above you don't want to be looking at a divorce attorney or a real estate attorney if you need a Albuquerque auto accident attorney. Finding someone who specializes in this type of law is a plus.

Ask them for some referrals or verdicts and settlements that they have won cases on in the past similiar to the one you need. Looking thru the verdicts and settlements and you see a bunch of car and truck accident verdicts in favor of the plaintiff that would be a plus

Remember that when you're choosing a personal injury lawyer, you're entering into a relationship. The lawyer you choose should be someone that you can easily get along with. Likeability should not be the only factor in your decision, but it is a very important factor to consider. Not liking your lawyer and their staff can hamper your case by putting a strain on vital communication.

Try to learn about the basics of how a personal injury case is evaluated. Similar to a stool, they are mainly evaluated on three principles: liability, damages, and collectability. Liability refers to how bad the action is, the evidence, and the facts of the case. Damages refers to the seriousness of the injuries and the opinions of witnesses and medical staff. Collectability refers to insurance coverage, policies, and assets.

If you have been involved in an accident, you may be entitled to a cash settlement. To get you the most money, you should hire a personal injury attorney. To find the best one for your case, you should ask friends and relatives for referrals. Seek out referrals from someone who has been through a personal injury lawsuit.

If you think your case is a slam dunk win, you are likely to be able to find a lawyer who will work on a conditional contract. These contracts state that you only pay the lawyer's fee if they win the case for you. While you'll end up paying more, this ensures you're not out if you lose.

If you hire a personal injury lawyer and you do not think he or she is getting the job done, fire them. You are paying for their services and should not have to deal with inadequate results. Find a personal injury lawyer who is organized, intelligent and experienced to give you the best chance.

Hopefully you now feel a little better about pursuing your personal injury case. Use these tips and find a reliable lawyer who can help you with your case. Read these tips and use them to win your case.

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Car Insurance Tips, Tricks, And Strategies

Re-evaluate your manner of driving - if you have been involved in one or two accidents lately or you have recently received quite a few tickets, assess your driving. The more accidents you get involved in or the more tickets you accumulate, the higher your premium will be. Therefore do all you can to change your style of driving and avoid getting yourself into unnecessary accidents, as this will go a long way in saving you from serious trouble because the insurance company can get fed up with you if you continue racking up accidents and tickets

You dont need to wait until the moment your vehicle insurance is due for renewal before deciding to change your insurance company though it is the most sensible thing to do. Though your coverage will always be prorated by your insurance company and any unused part refunded to you, it can be a big hassle trying to obtain the unused portion. It is much easier to cancel between renewal periods.

When you purchase a new insurance policy, you dont need to abandon your old insurance provider without informing them, due to the fact that your policy will be annulled because of your default in paying. This is not good as it gives you a bad record which could lead to you getting higher premium rates in the future

A search on the internet will give you some of the cheapest car insurance deals. The reason for this is because direct selling by the insurance companies eliminates the costs of agents or middle men thereby saving the costs that should have gone for such purposes. This helps the insurance companies make more money in return and the customer gets a little benefit by means of discounts

If you are leasing a rental truck, it is better for you to buy rental insurance because many car insurance policies has no similar coverage if a commercial truck should get damaged. The provisions in your credit card do not provide the same coverage for damages on a commercial truck. To be certain, please read your policies. Most of the time, you are far better off buying rental insurance when leasing a truck

Get from your insurance providers the different discounts you might be entitled to; for instance, as a student, some companies will offer you discounts if you have a high GPA. There are other companies that offer discounts to people of a particular occupation or industry, therefore check with your provider and see if you are entitled to anything.

It is said that knowledge is power, so since you have become knowledgeable about the auto insurance by reading the information provided in this article, you have been empowered to get only the best from your auto insurance provider. It doesnt matter if you have a policy, you can still renegotiate and make the desired changes to your auto insurance coverage.

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How To Increase Your Chances Of Getting A Secured Loan

Whenever a lending institution receives loan applications, the decision on whether to grant the loan is based on two decisions: the property and the borrower. Both you and the property have to be in very good condition. On the borrower's end, the institution will look at aspects such as the credit rating, employment status, usable monthly income based on the salary, condition and history of existing mortgage deals. The property on the other hand has to be in mint condition or rather worth more than the principal amount requested. Both the borrower and the lender have to fulfill these requirements so as to qualify for a secured loan. However, there are a couple other details that can play a major role in getting you a secured loan.

First, make sure to find a reliable loan broker. Most lenders rely on brokers to get potential clients due to the convenience they bring. As such, it is vital that a borrower gets a good broker. With a good and reliable broker the borrower is more likely to get the loan in question paid out. In addition to this, the amount the lender pays the broker will have a bearing on the brokerage fee the borrower will have to pay.

Second, make the broker your partner, not your enemy. Working against the broker will only make things worse for you, the borrower. Obviously, you will be required to produce a lot of paperwork as brokers prefer following every step to the letter. It might seem annoying but at the end of the day, you will reap the right fruits when cashing out.

Third, make sure to have a sit-down with your broker and have him explain how the lender will go about your income calculations. In some cases, debt consolidation is the better option. In some, the fact that one got regular work on a contract basis in the recent past could be a basis to argue for better rates, regardless of being self-employed. Make sure to consider all possible scenarios with your broker beforehand.

Finally, make sure your credit ratings and taxes are in check before going after the secured loan. Using a program like Quicken can help make sure your credit score stays high by helping you keep track of bills and pay them on time. Quicken will also show you your current credit score and keeps you abreast of any changes to your credit report. Compare versions to make sure you get the right one for your needs. Most lenders do not like seeing any sort of arrears, be it in your taxes, bills, mortgage, or other loans. Deal with any possible defaults as early as possible.

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How Can You Hire The Best Accountants In Watford?



Are you have trouble managing your personal finances? Do you find it a struggle to save money for college or for your retirement? Do you experience a sense of dread when tax season comes around again? If so, it may be time to take action and hire some of the best accountants in Watford.

By doing so, you can relieve a lot of your stress and anxiety. A good accountant can provide assistance with many different tasks, from creating a household budget to minimizing your tax bill. Once you have found a good accountant, you will realize just how valuable such services can be.

When you are looking for the right person to assist you, keep these points in mind. Doing so will help you make sure that you hire an accountant who will do a great job.

As with any type of professional, experience is a key factor to consider. A good accountant should have at least five years of experience in the field, and preferably more. While a more experienced accountant may cost more to hire, the additional expense will definitely be worthwhile.

Make sure that the accountant has experience in the right area as well. If you need help managing your personal finances, an accountant who specializes in corporate finances may not be the right choice. If you are having trouble filing your taxes, you need a tax accountant, not someone who focuses on saving for retirement.

While any skilled professional can provide a minimal level of assistance with most financial issues, you will get the best results if you look for someone with expertise in a particular area. Be sure to ask about this when you first talk to a particular accountant. Asking the right questions can save you a lot of time in the long run.

Take a little time to get to know the person before you decide whether or not to hire them. Since you will be working closely with the accountant to manage your money, it is important that the two of you get along well. Personality conflicts can make it very hard to maintain the kind of professional relationship that is required for financial success.

Figure out how much you can afford to spend on an accountant before you start looking for one. A good accounting firm may not come cheaply, and spending more than you can really afford will not help you get your finances in order. Look for a firm that charges rates that are reasonable so that you do not end up making your situation worse.

If you need help saving for retirement, college, or something else equally expensive, try to find an accountant who provides financial planning services as well. This way, you can make sure that your short-term actions do not conflict with your long-term goals.

The best accountants in Watford can provide assistance with many types of financial issues. Start looking today so that you can get the help that you require.

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Are You Spending Your Money Wisely?

Let Us Find Out Money is very important. You need it for survival. However, it is also never enough and unless you know how to manage it, you could spend your life looking for it. If you do not know the principles of wise spending, then you will always complain about money being scarce. However, there is hope. After you read this article, you will understand the art of spending money wisely.

Get to know how much you earn after you deduct all the levies such as taxes.Make sure you include all the income you get, that is, the money from your primary job and all the other secondary jobs you undertake. Ensure you have a detailed account of all your sources of income. This will help you be able to account for all the money you work hard to have.

Your expenses should be noted down after you are aware of your monthly income. Such include car maintenance costs, grocery trips, hairdressing and even your subscription to your favorite magazines and cable TV. Of course food expenses,water and energy bills are part of the list. If you come up with an inclusive list, you will understand more about money and visualize what you spend it on.

If you are serious about cutting your expenses, you will agree with me that you cannot have too much money going to things that do not contribute to the budget. For example, you cannot have money to treat friends. That is not important. Look for something that does not deserve your money, eliminate it from your expenses. There are things you can reduce or if possible, do away with them. Be honest enough because such a virtue will help you be open-minded in determining what expense to get rid of or to keep.

If your power bills are causing you sleepless nights, check the appliances you have in place. Get an expertâs view about the necessary upgraded appliances you should buy or install at your home to reduce these bills. However, be careful to ensure whomever you consult is a credible source. Do some background checks to ascertain their credibility. If you are not using appliances, unplug them from power. Do not get so much used to the dishwasher or the washing machine; wait for it to get full before running it.

Take care of your insulation system. It is basically about cooling and heating your home. Have modern HVAC system installed to lower energy bills. Proper insulation for the wall and the ceiling is paramount to keep the energy bills down. If your HVAC is too old, that is, closer or ten years and older, replace it.

With much money, you could live miserably if you do not know how to spend it wisely. With little money, you can live comfortably if you know how to make a good financial plan.

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Accountants In London Advise Smart Money Habits



Most things we look to do better in life require patience and practice, and becoming better with your finances is no different. Accountants in London suggest that good money habits build up over time and will eventually lead to a bigger bank account and a more stable retirement. They have compiled five essential tips that will help you reexamine how you think about and handle money on a daily basis.

It is important to be mindful about your spending habits. Too many people do the exact opposite and are quite careless in their spending and saving habits. All that is required is for an individual to pay more attention to how they are spending their money and stop buying items impulsively. When you consider each purchase carefully, you will begin to buy only what you need and can afford. Ways of being more mindful of your spending habits include making a daily or monthly budget, using lists at the store, and only buying items when you can truly afford them.

Always be mindful of all your financial transactions either in retail shops or online. It is essential that you are vigilant about each transaction no matter how small it may be. While clerks use sophisticated computerized registers, mistakes are still made when ringing items up and handing back change. Always watch the price that is rung up while standing in line. If there is no easy to read display, scan the receipt while still in the parking lot for mistakes. Likewise, always look over your bank statements for odd charges or fees. It is best practice to check your bank statements to watch for fraud or unauthorized use of your accounts.

While it may sound corny, it is always wise to respect the currency in your hand. When money is mistreated, you diminish the value of it and are saying it is fine to abuse it. Whether you have one single dollar or a hundred dollar bill, treat them equally. Do not wad your money up in your pocket or toss it in your purse like trash. Instead, place it in a wallet and take care of it and know how much you have daily. Take all of your change from your pockets and purse and place it in a jar at home. At the end of the month deposit it in the bank. You will be rather surprised how much will be in that jar by month's end.

Only use credit cards if it is absolutely necessary or they are needed for a reservation or online charge. It is better to use your debit card for all of your purchases and keep the credit cards hidden from view. If you have a credit card that has good rewards use it for all of your purchases. Be certain though to pay off the entire balance at the end of the year. Be wary of card that come with high-interest rates and annual fees even without a balance. It is best to have a credit card but leave it at home, only to be used for for certain events.

Look at how you are spending your money on a monthly basis. Many people tend to sabotage themselves when trying to make the best decisions on how to save money and invest. Many people tend to get bad habits from their parents, culture, or just a lack of self-control. In order to bypass this in life, you have to take note of where you are spending your money. For some it is dining out, buying clothes, or going on vacations. Once you find out what your weakness is in life you can make changes in your spending habits and find a more financially sound spot.

Each one of these tips can be used to build a better and more financially sound future for you and your family. To start implementing these and many other strategies consult with accountants in London. Their experience will help you to identify the strategies you need to save and invest money for your future. Find a professional who you will be able to trust with your financial situation.

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Are You A Victim Of A Truck Accident? Hire A Truck Accident Lawyer

Truck injuries are a few of the very disastrous injuries out there, as well as the reason are pretty clear. Trucks, and when I say trucks I am referring to semi- tractor trailer trucks or trucks, are the biggest vehicle on the road, outweighing other vehicles by thousands of pounds. And when one of these trucks hits another vehicle, which the majority of the time isn't another semi-truck, the outcomes are devastating.

However, these types of injuries do not have to occur. We can keep them by just preventing one of the very frequent reasons for truck accidents - driver tiredness.

Driver fatigue accounts for an exceptionally substantial bulk of the reasons for truck accidents out there, as any truck injury lawyer will attest. And, though their pockets will lighten well, any true truck injury attorney at isaacstruckattorneys.com will inform you these injuries are entirely preventable. Here are a few suggestions to reduce this disaster.

Truck drivers should be made conscious they might be afflicted by sleep disorders and be provided the tools to diagnose and treat any sleeping disorders which could exist. There's not anything worse than an injury that might be avoided by knowledge and possibly medicine.



Second, which makes it okay for truck drivers to stop and rest when they're tired. Truck drivers are pushed to the limits of their skills when it comes to hours, as I said in the abstract. And though there are standards out there, many times motorists will push through to make it despite their dearth of slumber to a destination. A cultural shift must happen which makes it okay to stop and rest.

By supplying sufficient areas for trucks to pull off the street to rest, the government must help out with number two. To allow them to sleep, many truckers have their beds in the cab of their truck. But if there isn't any place to allow them to park their vehicle, it's definitely going to be not possible for them to cease and rest.

By embracing these easy options we have to have the ability to significantly decrease the amount of semi-truck accidents out there. Let us get to work on this!

In the event you are in an accident using a semi-truck, do not wait to hire a truck accident lawyer. Will they understand just what to do to ensure that your rights are protected, however they could have the ability to take early measures that can assist your case well. And in the event you are a trucker, please remember to stay well rested. When you have injured someone no one needs your first encounter using a truck injury attorney to be.

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What Consumers Should Do First Before Buying Or Building A Home



construction loan broker

Consumers become prepared better for buying a home when they start with their finances. It is their finances that have the largest impact on their ability to buy. This could help them qualify for a construction loan quickly and without great difficulties. A lender could assist them by presenting them with an early assessment.

An Early Assessment

When building a house, the first obstacle is to achieve the best credit score possible. This may require the consumer to pay off outstanding debts. They should review their credit history and start with negative accounts. It is these listings that could prevent their credit score from increasing. It could also present them with issues when selecting a home mortgage.

They should also consider negotiating with their creditors. This could help them achieve a settlement offer. This is a reduction of the total debt. In some instances, they could acquire up to a fifty percent discount on accounts that are placed in collections or charged off.

Contacting a Lender

A lender can help the consumer by showing them what mortgage loan products are available to them. The lender shows them what the down payment requirements are for each mortgage. They could also present them with a pre-qualification that will help them identify a budget for their new home construction.

Finding Properties Within the Designated Budget

The consumer should work closely with a real estate agent to identify properties within their budget. The agents have access to properties that are completed as well as empty lots inside planned communities. The agent could evaluate the budget set up by the lender and determine what properties are most affordable for the consumer. This could also include opportunities for remodeling loans.

Reviewing Closing Requirements

The closing requires the consumer to present all insurance policies needed for the property. The sales contract identifies what party is responsible for the closing costs. The closing is a meeting in which total mortgage value is given to the seller. An attorney manages the transfer of title for the new buyer. If the property is a new construction, the seller is either a builder or real estate firm.

Early assessments of their finances help consumers make sound decisions about buying a home. This could include new constructions and renovation possibilities for existing properties. A lender helps these consumers identify what mortgage is most affordable for them. Consumers who are ready to start this process for mortgage or home improvement loans should contact a lender now.

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Climate finance: investing in our collective future

The spiritual grandchild of the Rio Earth Summit agreement of 23 years ago, the universal climate agreement (UCA), is the world's best chance to limit global temperature increase to two degrees Celsius. The universal hope is that it will be adopted at the global climate change summit in Paris, France, in December 2015. The UCA is important because it will record different countries’ commitments to reduce their carbon dioxide emissions, and, this time around, developing countries, too, will make commitments to reduce their emissions—and they are looking for how to fund the actions they will need to take.

How much money is needed by developing countries? Estimates are around US$ 450 billion per year from 2020 on: US$ 350 billion for reduced emissions and US$ 100 billion for adapting to the impacts of climate change. Some of this money will be provided by countries themselves. But to reach their emission reduction targets, a significant fraction will also need to come from developed countries in the form of official climate finance (OCF). These numbers may sound overwhelming, but context is paramount—they should be compared to net inflows of debt and equity into developing countries, which are estimated to be above US$ 1.2 trillion per year.

At the 2010 Climate Change Conference in Cancun, Mexico, the global community responded to developing countries’ financing needs by creating the Green Climate Fund (GCF). The GCF groups 196 sovereign states that are Parties to the United Nations Framework Convention on Climate Change (UNFCCC), and is the only multilateral financing institution in the world whose sole mission is to serve the UNFCCC’s climate objective. Its purpose is to promote a radical paradigm shift towards low emission and climate-resilient investments in developing countries.

How is the GCF expected to do this? By providing developing countries with direct financing for climate investments and by leveraging other financing, including private investors and financial markets. Funding will be concessional, and one of the GCF's greatest innovations is its risk-bearing capacity, allowing it to bear more risk and thus leverage other less risky financing, notably from the private sector.

A lot of work has been done since the GCF’s inauguration in Songdo, in the Republic of Korea, in December 2013, where it is headquartered. It is now open for business and has a growing network of more than 120 developing country focal points engaged with the Fund. Developing countries are central in the funding process and the GCF’s own Board is structured to ensure a balanced representation from developed and developing countries—a 50:50 ratio.

In the year since its launch, the GCF has already secured US$ 10 billion equivalent in financial pledges from 33 countries, including from developing countries. It continues to raise money on an ongoing basis. A significant portion of its pledges have already been converted into usable resources, and the Fund is ready to start investing in climate-sensitive projects and programmes.

How will the GCF operate? Through a network of accredited partners, trusted entities that will work on its behalf during the project cycle. These may include local institutions in the countries themselves, regional entities, private banks and funds, nongovernmental organizations and international organizations. The GCF’s accredited partners will deploy its resources through a variety of financial instruments (concessional loans, subordinated debt, equity, guarantees and grants) and monitor project impacts. The process to build the network of partner entities is ongoing, with applications received from all over the world, and some institutions already accredited.

To accelerate private sector investment in low-emission, climate-resilient activities, the GCF’s Private Sector Facility will work hand in hand with international businesses, capital markets and the local private sector in developing countries. Its risk-bearing capacity will enable the Fund to support private investments in, for example, energy efficiency, forest protection and reforestation, deployment of climate-related insurance products, adaptive agricultural methods in the face of desertification and other similar projects.

At the Paris Climate Change Summit later this year, the world expects member States to take some important decisions concerning climate finance. Total OCF commitments to date are a good start but only a fraction of what is needed to achieve the world’s climate change objective. In order to succeed, countries must agree to set in place predictable, long-term flows of OCF up to and beyond 2020, including quantities significantly larger than the initial pledges made to the GCF to date. The line of argument for increasing investments is simple—either we pay now or pay later and face the risk of significant development setbacks for all of humanity.

See more at: http://www.dailydevelopment.org/blog/climate-finance-investing-our-collective-future
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