Prior to the 1850’s marriage was viewed as an indissoluble lifelong union and separating from your husband or wife was almost impossible. Only in extreme situations could couples be granted to live apart but even then they were still officially married.
In 1857 the Matrimonial Causes Act allowed ordinary people to divorce; it had previously had to be granted by an Act of Parliament. Even where this was possible it was very expensive and the vast majority were unable to afford it. And women could not apply for divorce; it had to be the man.
The Matrimonial Causes Act did make it possible for women to pursue divorce but it was still more difficult for them than it was for men. The only acceptable grounds for divorce for either party was adultery and it had to be proved. Unlike men, women had to prove other reasons why they were seeking a divorce in addition to this; adultery alone was not enough.
Things were made easier for women in 1923 when it was decided they could petition for divorce solely on the grounds of adultery. This still had to be proved though, and was the only acceptable grounds for divorce. The list of possible reasons was expanded in 1937 when it became possible to divorce due to drunkenness, insanity or desertion for a least a three year period. Divorce could not be petitioned in the first three years of a marriage and one spouse had to accuse (and prove) one of these faults in their husband or wife. The so-called guilty party could not be the one to initiate the divorce.
The Divorce Reform Act of 1969 transformed the way divorce worked in England, and much of the act still works in a similar way to this day. The previous reasons for divorce were scrapped and the list reformed. It was now possible to divorce after being separated for two years if both parties agreed, or after being separated for five years if only one party was seeking the dissolution of the marriage. The other possible reason was if the marriage had irretrievably broken down, something that covered many areas including adultery and desertion. In theory any reason that contributed to the breakdown of a marriage could be the basis for it having “irretrievably broken down”. From this time it was no longer necessary for an undefended divorce case to be heard in the High Court in London; local County Courts could be used. Defended divorces, however, were still held in the High Court.
In the mid 1970’s a Special Procedure was introduced. This made things much simpler in uncontested divorce cases. This has since become the norm and it is these days very rare for contested divorces to take place; only around one if fifty thousand divorces are now contested.
Over the last one hundred years there has been a big change in divorce in England, from the reasons they can take place to the way they are dealt with.
Andrew Marshall ©
Thursday, August 18, 2011
Wednesday, August 17, 2011
VoIP: Price not the only important consideration
VoIP is generally cheaper than other types of voice communications, such as the telephone, and this has led to increasing numbers switching to VoIP. The running costs are cheaper for providers meaning they are able to offer a more cost effective service to their customers. There are even free options, such as those where downloadable software is used so people can talk to each other through their computers. The price is obviously a major advantage for those considering choosing VoIP but it isn’t the only important thing. With the lower cost options, quality can suffer. When choosing a VoIP solution price should be considered but it shouldn’t be the only important thing.
Call Quality
This is an obvious, but important, consideration. The problem with VoIP is low quality services can result in an echo and other issues. It doesn’t matter how cheap the service is if you can’t understand what the person on the other end is saying. How good the quality needs to be depends on what you will be using VoIP for. If choosing Interoute are a top quality Business VoIP Provider. it may need to be of the highest quality. You want to seem professional and need a VoIP system that meets those needs. You need to be able to have business conversations with partners and customers. If you are simply using it for calling family and friends then call quality may not be quite so important. In this case the quality of your VoIP is not going to affect your business. You will probably still want a decent service, but it is not quite so crucial.
Reliability
A VoIP solution is no good if it keeps cutting out and you are unable to have a proper conversation with anyone. Therefore reliability can be very important, especially for a business where you need it to be available whenever you wish to make a call. You may be able to handle some reliability issues if using VoIP for personal calls, but for business it is not really acceptable.
Technical Support
Where quality is important, technical support is important. This should mean maintaining the high quality your VoIP system is capable of at all times. Any problems will be able to be dealt with when they occur. It is also important that your VoIP systems are set up correctly. When using a specific business VoIP provider then you may need support for this, whereas for a cheap personal VoIP system you may be able to set it up yourself.
Features
You can go for very basic VoIP where you can simply call from one phone to another without being able to do anything else. These are better priced but that doesn’t mean they are better value for money. You might want an integrated system with several phones and phone lines with services such as call forwarding and an answer phone service. This is more likely if using it for business purposes.
Cost
And then there is cost. Cost shouldn’t be considered alone though. Just simply looking at prices and choosing the cheapest option does not mean you will chose the best option. Price should be used along with other factors to decide on a service. What you need will largely depend on your needs and circumstances. What will you be using VoIP for? Will it be for business purposes or personal use? Value for money is more important than simply price. You need to find the service you need for the best possible price.
Andrew Marshall ©
Call Quality
This is an obvious, but important, consideration. The problem with VoIP is low quality services can result in an echo and other issues. It doesn’t matter how cheap the service is if you can’t understand what the person on the other end is saying. How good the quality needs to be depends on what you will be using VoIP for. If choosing Interoute are a top quality Business VoIP Provider. it may need to be of the highest quality. You want to seem professional and need a VoIP system that meets those needs. You need to be able to have business conversations with partners and customers. If you are simply using it for calling family and friends then call quality may not be quite so important. In this case the quality of your VoIP is not going to affect your business. You will probably still want a decent service, but it is not quite so crucial.
Reliability
A VoIP solution is no good if it keeps cutting out and you are unable to have a proper conversation with anyone. Therefore reliability can be very important, especially for a business where you need it to be available whenever you wish to make a call. You may be able to handle some reliability issues if using VoIP for personal calls, but for business it is not really acceptable.
Technical Support
Where quality is important, technical support is important. This should mean maintaining the high quality your VoIP system is capable of at all times. Any problems will be able to be dealt with when they occur. It is also important that your VoIP systems are set up correctly. When using a specific business VoIP provider then you may need support for this, whereas for a cheap personal VoIP system you may be able to set it up yourself.
Features
You can go for very basic VoIP where you can simply call from one phone to another without being able to do anything else. These are better priced but that doesn’t mean they are better value for money. You might want an integrated system with several phones and phone lines with services such as call forwarding and an answer phone service. This is more likely if using it for business purposes.
Cost
And then there is cost. Cost shouldn’t be considered alone though. Just simply looking at prices and choosing the cheapest option does not mean you will chose the best option. Price should be used along with other factors to decide on a service. What you need will largely depend on your needs and circumstances. What will you be using VoIP for? Will it be for business purposes or personal use? Value for money is more important than simply price. You need to find the service you need for the best possible price.
Andrew Marshall ©
Tuesday, August 16, 2011
Overnight Courts dealing with Rioters
After the recent riots in London, some UK courts have been operating overnight to process criminal charges. With over 1,000 people arrested in London alone, there has been an unexpected strain on the legal system. Opening some courts overnight and at the weekend has lead to faster convictions.
The riots began in Tottenham in North London and quickly spread to other parts of the capital over the following days. The violence then spread to other parts of England including Birmingham, Manchester and Nottingham. Crimes committed involved throwing missiles at police, smashing shop windows, looting and arson.
The courts quickly began to process the cases of the arrested individuals, much more quickly than for most criminal charges. It was decided to quickly deal with these cases, partly to make an example of the rioters while it was still in the news. One reason for this was to discourage others from doing the same by making it obvious that people will be punished for such actions.
Due to the vast numbers arrested it suddenly became necessary for several hundred people to be tried. Overnight courts have meant that some cases can be dealt with promptly so they don’t drag on for months. Rioters have been seen to face justice while people are still thinking about the events that took place. Hundreds of people have gone through the court system already, very few of whom would have done had the court been operating at their usually schedule. Many are likely to face custodial sentences.
There have been convictions for a variety of offenses, including robbery, arson, violent disorder and public disorder. Those found guilty have included people from all backgrounds, with many facing sentencing at a later date. Some of those who have pleaded guilty have already been sentenced while others have been referred to the Crown Court. For these people, a more in-depth trial will take place in due course.
It has been questioned whether or not fast tracking these cases through the courts is the best way to deal with them. Some have stated that convictions are being rushed into just to get them done, without enough time to really establish the facts of the crimes of the individual concerned with each case. Some see the courts operating overnight as a way of making a point (perhaps a valid one) rather than the best way of treating a criminal case. They see it as a political decision rather than a judicial one. With overnight courts everyone, including judges, solicitors and defendants, are tired and this can contribute to the wrong decisions being made.
There is no doubt that much criminality has taken place and that those responsible must face the consequence. Although thousands of people across the country have been guilty of serious crimes, the majority of the population across the country has been quick to condemn those responsible. It is hoped that the actions taken against the guilty parties will discourage others from getting involved in similar actions in the future.
Andrew Marshall ©
The riots began in Tottenham in North London and quickly spread to other parts of the capital over the following days. The violence then spread to other parts of England including Birmingham, Manchester and Nottingham. Crimes committed involved throwing missiles at police, smashing shop windows, looting and arson.
The courts quickly began to process the cases of the arrested individuals, much more quickly than for most criminal charges. It was decided to quickly deal with these cases, partly to make an example of the rioters while it was still in the news. One reason for this was to discourage others from doing the same by making it obvious that people will be punished for such actions.
Due to the vast numbers arrested it suddenly became necessary for several hundred people to be tried. Overnight courts have meant that some cases can be dealt with promptly so they don’t drag on for months. Rioters have been seen to face justice while people are still thinking about the events that took place. Hundreds of people have gone through the court system already, very few of whom would have done had the court been operating at their usually schedule. Many are likely to face custodial sentences.
There have been convictions for a variety of offenses, including robbery, arson, violent disorder and public disorder. Those found guilty have included people from all backgrounds, with many facing sentencing at a later date. Some of those who have pleaded guilty have already been sentenced while others have been referred to the Crown Court. For these people, a more in-depth trial will take place in due course.
It has been questioned whether or not fast tracking these cases through the courts is the best way to deal with them. Some have stated that convictions are being rushed into just to get them done, without enough time to really establish the facts of the crimes of the individual concerned with each case. Some see the courts operating overnight as a way of making a point (perhaps a valid one) rather than the best way of treating a criminal case. They see it as a political decision rather than a judicial one. With overnight courts everyone, including judges, solicitors and defendants, are tired and this can contribute to the wrong decisions being made.
There is no doubt that much criminality has taken place and that those responsible must face the consequence. Although thousands of people across the country have been guilty of serious crimes, the majority of the population across the country has been quick to condemn those responsible. It is hoped that the actions taken against the guilty parties will discourage others from getting involved in similar actions in the future.
Andrew Marshall ©
Friday, August 12, 2011
Charity in the Current Economy
The economic situation over the last few years has had a major impact on British society. But what impact has it had on charities and charitable donations? Have people been giving less to charity? With people having become employed, and others with reduced or unchanged incomes, many people have less disposable income so they don’t have as much they are able to give away. This article investigates the impact of the economy on different aspect of charity.
The government have made cuts to many areas of spending, something that is set to continue. One area in which money is being saved is by charity funding being reduced. Some have lost around half of their funding while others have lost it all. Many rely on this funding as well as individual charitable donations. More than 2,000 charities are being forced to close services and it is particularly having an impact on smaller charities.
Compared to pre-recession figures, the total amount of charitable donations by individuals has dropped by around £700 million a year. Fewer people are giving money to charity and those who are giving are tending to give less.
Cash charitable donations makes up a higher percentage of giving that any other type of donation, 50% of the total. This is an area that is impacted by people’s personal circumstances. With the financial situation of many people very different to a few years ago this means a lot of people are unable to give as often as they would have previously. This is the area of charity that suffers most in an economic downturn.
People giving to charity in connection with natural disasters has been impacted less. Donations for those affected by disasters such as the earthquake in Haiti and the earthquake and tsunami in Japan have been as high as would normally be expected. These are more emotional decisions, for example based on seeing the devastation on television and being compelled to help out. In these circumstances people often give without thinking about their finances so much.
One area where the news has been good has been with charity shops. For one thing, more people are looking to work in charity shops. More people are unemployed so are free to volunteer their time or work for low wages. They would rather be doing some work or earning a little than be at home earning nothing. The most significant thing about charity shops in an economic downturn, though, is the number of people buying from them. With people having less disposable income it means they are less able to afford to shop at more expensive outlets. This is driving them to charity shops. It can be a great way of giving to charity for people struggling financially. Rather than spending more money by giving to charity, people are spending less money while still giving to charity.
Although the news is good with regard to charity shops, overall charities have been negatively impacted by the recession and its aftermath. Funding for charities is being reduced and people are donating less.
Andrew Marshall (c)
The government have made cuts to many areas of spending, something that is set to continue. One area in which money is being saved is by charity funding being reduced. Some have lost around half of their funding while others have lost it all. Many rely on this funding as well as individual charitable donations. More than 2,000 charities are being forced to close services and it is particularly having an impact on smaller charities.
Compared to pre-recession figures, the total amount of charitable donations by individuals has dropped by around £700 million a year. Fewer people are giving money to charity and those who are giving are tending to give less.
Cash charitable donations makes up a higher percentage of giving that any other type of donation, 50% of the total. This is an area that is impacted by people’s personal circumstances. With the financial situation of many people very different to a few years ago this means a lot of people are unable to give as often as they would have previously. This is the area of charity that suffers most in an economic downturn.
People giving to charity in connection with natural disasters has been impacted less. Donations for those affected by disasters such as the earthquake in Haiti and the earthquake and tsunami in Japan have been as high as would normally be expected. These are more emotional decisions, for example based on seeing the devastation on television and being compelled to help out. In these circumstances people often give without thinking about their finances so much.
One area where the news has been good has been with charity shops. For one thing, more people are looking to work in charity shops. More people are unemployed so are free to volunteer their time or work for low wages. They would rather be doing some work or earning a little than be at home earning nothing. The most significant thing about charity shops in an economic downturn, though, is the number of people buying from them. With people having less disposable income it means they are less able to afford to shop at more expensive outlets. This is driving them to charity shops. It can be a great way of giving to charity for people struggling financially. Rather than spending more money by giving to charity, people are spending less money while still giving to charity.
Although the news is good with regard to charity shops, overall charities have been negatively impacted by the recession and its aftermath. Funding for charities is being reduced and people are donating less.
Andrew Marshall (c)
Wednesday, August 10, 2011
Is Divorce Always Wrong?
Some believe that divorce is wrong under any circumstances, with some claiming that God is against it and it is a sin. In an ideal world every marriage would be a happy one and divorce would never be necessary. However, we don’t live in a perfect world and there are times where, for whatever reason, a marriage just isn’t working. There are times when a separation is the best, or even the only, option.
Adultery
It is very difficult for a marriage to survive adultery, especially for it to remain a loving and trusting marriage. If one spouse is unfaithful and his or her partner finds out, then it is often difficult for the victim to forgive. This means the marriage is unlikely to remain a happy one. In these circumstances a divorce may be the best option.
Long-term Affair
If one spouse is having an affair it is likely to seriously damage a relationship. It can be even more damaging than a short-term fling as it is more calculated and over a longer period. It is again likely to mean a lack of trust from the victim with divorce often the inevitable outcome.
Abuse
Where abuse is taking place within a relationship divorce can sometimes be the only option. No-one deserves to be physically or mentally abused and victims in these situations should be encouraged to look for a way out. This is even more the case where children are involved. If children see abuse in the household they may think of it as an example and believe this type of behaviour is acceptable. They may even be in danger of being abused themselves.
Addiction
One spouse being addicted to drugs or alcohol can cause problem within a relationship. It can lead to all manner of problem, including potential abuse. Those who suffer from addiction can receive help and it doesn’t have to spell the end of a marriage, but there are times when there may be no other solution.
It is an Unhappy Marriage
Happiness is the most important thing and there are times when people just aren’t, or are no longer, happy together. Maybe they can’t see eye to eye on the important issue and they are always arguing. This is not a healthy relationship and not an easy way to live. It is also not a healthy environment to bring children up in. Many couples “stay together for the kids”, but an unhappy, confrontational household, is not a good thing for children. If things really can’t be worked out then a separation may be the best option, both for the couple and for any children they may have.
Lack of Love
Sometimes couples simply fall out of love. They become tired of a relationship that no longer has the spark it once did. This is where things become difficult. There may not be one outstanding reason why the marriage cannot last, but neither spouse is as happy as they might be.
Divorce should not be encouraged but that does not mean it is wrong. Every situation is different and so is every couple, but there are circumstances where it is the best thing for all concerned.
Andrew Marshall (c)
Adultery
It is very difficult for a marriage to survive adultery, especially for it to remain a loving and trusting marriage. If one spouse is unfaithful and his or her partner finds out, then it is often difficult for the victim to forgive. This means the marriage is unlikely to remain a happy one. In these circumstances a divorce may be the best option.
Long-term Affair
If one spouse is having an affair it is likely to seriously damage a relationship. It can be even more damaging than a short-term fling as it is more calculated and over a longer period. It is again likely to mean a lack of trust from the victim with divorce often the inevitable outcome.
Abuse
Where abuse is taking place within a relationship divorce can sometimes be the only option. No-one deserves to be physically or mentally abused and victims in these situations should be encouraged to look for a way out. This is even more the case where children are involved. If children see abuse in the household they may think of it as an example and believe this type of behaviour is acceptable. They may even be in danger of being abused themselves.
Addiction
One spouse being addicted to drugs or alcohol can cause problem within a relationship. It can lead to all manner of problem, including potential abuse. Those who suffer from addiction can receive help and it doesn’t have to spell the end of a marriage, but there are times when there may be no other solution.
It is an Unhappy Marriage
Happiness is the most important thing and there are times when people just aren’t, or are no longer, happy together. Maybe they can’t see eye to eye on the important issue and they are always arguing. This is not a healthy relationship and not an easy way to live. It is also not a healthy environment to bring children up in. Many couples “stay together for the kids”, but an unhappy, confrontational household, is not a good thing for children. If things really can’t be worked out then a separation may be the best option, both for the couple and for any children they may have.
Lack of Love
Sometimes couples simply fall out of love. They become tired of a relationship that no longer has the spark it once did. This is where things become difficult. There may not be one outstanding reason why the marriage cannot last, but neither spouse is as happy as they might be.
Divorce should not be encouraged but that does not mean it is wrong. Every situation is different and so is every couple, but there are circumstances where it is the best thing for all concerned.
Andrew Marshall (c)
Tuesday, August 9, 2011
Tuition Fees and Student Loans in England: The Changes and What it Means
The amount that students of the future will have to pay in tuition fees in England is changing. The way they are paid for is also changing with an extension and revision of the student loan system.
Current Tuition Fees
Currently tuition fees are £3,290 a year for all university students, whichever university they attend and whichever course they take. This is going up to £3,375 for students starting in 2011. To pay for this grants are available, depending on a families earnings. For families who earn under £25,000 a year a grant of £2,906 is available, meaning only having to pay £384 a year in tuition fees after this. The available grant is reduced with increasing family earnings. Those with an annual income of £50,020 aren’t entitled to a grant. After the student grant is taken into consideration it is often parents who pay the tuition fees on behalf of their children.
How Does the Student Loan Work Now?
All students are entitled to a student loan to pay for their living costs through university. The amount that can be borrowed depends on each student’s personal situation. For those living in their family home (e.g. with their parents) a maximum of £3,838 a year is available with £4,950 available for those living away from home. The loan is increased for those studying in London. 72% of the above maximum amounts are available to all students, with the remaining 28% depending on family incomes.
The student loan does not have to be paid back until former students are earning above £15,000 a year. Once earning this amount repayments are automatically taken out of their salary at 9% of their earning above this amount. So those earning £16,000 will therefore pay 9% of £1,000 (£90) and those earning £30,000 will pay 9% of £15,000 (£1,350). This is then paid until the loan is fully paid off. More than this can be paid if former students wish to pay the loan off quicker.
Tuition Fees from 2012
Fees are going to be significant rising. Students beginning university from 2012 could pay up to £9,000 a year, with individual universities able to decide how much they will charge. Many have chosen to charge £9,000 for most, or all, of their courses.
How will this Work?
Students, and their parents, will not be able to pay upfront, something they currently are able to do. Students must take out a student loan to pay for their tuition fees, and can take more for living costs above this if required. There has been much controversy and debate over this. Even if the loan is only required for the tuition fess this could add up to £27,000 over three years.
It is not quite as bad as much of the media has made out though. As repayment is based on later earning, former students will not have to pay it back unless they earn a certain amount. If it is not paid back after 30 years the loan will be cancelled.
Although the amount of the loan students will require will be higher than it currently is, the good news is that the threshold is being increased to £21,000. So for someone earning £30,000 they will pay 9% of £9,000 (£810) rather than 9% of £15,000. This means that anyone paying off a student loan will be paying less a month than they would under the current system. Former students will be saving £540 a year. The downside is that they will be paying for longer.
Will University be Worth the Costs?
Whether university will be worth it in the long run ultimately depends on future earnings, something that is difficult to predict. Someone earning £30,000 and paying off their loan will be better off than someone earning £25,000 without a degree and without the loan. So it depends on the likely salary increase with a degree as opposed to not having one. If a prospective student is looking for employment in a sector where a degree is required or likely to lead to a higher salary, then it is likely to be worth the costs.
Should Parents Save for their Child’s University?
As mentioned above, tuition fees will not be able to be paid up front. Some parents have complained that they will suddenly need to find £9,000 a year, but this is untrue due to the loan system (with favourable conditions compared with other loans).
This doesn’t mean that savings on behalf of children isn’t a good idea. It is not just tuition fees that students need to pay, but living cost. And considering they may not be working, or be working part-time at best, this can be a burden. This could make the new Junior ISA scheme attractive to parents. The Junior ISA will allow for tax free savings, where parents will be able to pay up to £3,600 a year into a Junior ISA account on behalf of their children. This plus the accumulated interest will then be available to children once the turn eighteen, the age when many begin university.
Andrew Marshall (c)
Current Tuition Fees
Currently tuition fees are £3,290 a year for all university students, whichever university they attend and whichever course they take. This is going up to £3,375 for students starting in 2011. To pay for this grants are available, depending on a families earnings. For families who earn under £25,000 a year a grant of £2,906 is available, meaning only having to pay £384 a year in tuition fees after this. The available grant is reduced with increasing family earnings. Those with an annual income of £50,020 aren’t entitled to a grant. After the student grant is taken into consideration it is often parents who pay the tuition fees on behalf of their children.
How Does the Student Loan Work Now?
All students are entitled to a student loan to pay for their living costs through university. The amount that can be borrowed depends on each student’s personal situation. For those living in their family home (e.g. with their parents) a maximum of £3,838 a year is available with £4,950 available for those living away from home. The loan is increased for those studying in London. 72% of the above maximum amounts are available to all students, with the remaining 28% depending on family incomes.
The student loan does not have to be paid back until former students are earning above £15,000 a year. Once earning this amount repayments are automatically taken out of their salary at 9% of their earning above this amount. So those earning £16,000 will therefore pay 9% of £1,000 (£90) and those earning £30,000 will pay 9% of £15,000 (£1,350). This is then paid until the loan is fully paid off. More than this can be paid if former students wish to pay the loan off quicker.
Tuition Fees from 2012
Fees are going to be significant rising. Students beginning university from 2012 could pay up to £9,000 a year, with individual universities able to decide how much they will charge. Many have chosen to charge £9,000 for most, or all, of their courses.
How will this Work?
Students, and their parents, will not be able to pay upfront, something they currently are able to do. Students must take out a student loan to pay for their tuition fees, and can take more for living costs above this if required. There has been much controversy and debate over this. Even if the loan is only required for the tuition fess this could add up to £27,000 over three years.
It is not quite as bad as much of the media has made out though. As repayment is based on later earning, former students will not have to pay it back unless they earn a certain amount. If it is not paid back after 30 years the loan will be cancelled.
Although the amount of the loan students will require will be higher than it currently is, the good news is that the threshold is being increased to £21,000. So for someone earning £30,000 they will pay 9% of £9,000 (£810) rather than 9% of £15,000. This means that anyone paying off a student loan will be paying less a month than they would under the current system. Former students will be saving £540 a year. The downside is that they will be paying for longer.
Will University be Worth the Costs?
Whether university will be worth it in the long run ultimately depends on future earnings, something that is difficult to predict. Someone earning £30,000 and paying off their loan will be better off than someone earning £25,000 without a degree and without the loan. So it depends on the likely salary increase with a degree as opposed to not having one. If a prospective student is looking for employment in a sector where a degree is required or likely to lead to a higher salary, then it is likely to be worth the costs.
Should Parents Save for their Child’s University?
As mentioned above, tuition fees will not be able to be paid up front. Some parents have complained that they will suddenly need to find £9,000 a year, but this is untrue due to the loan system (with favourable conditions compared with other loans).
This doesn’t mean that savings on behalf of children isn’t a good idea. It is not just tuition fees that students need to pay, but living cost. And considering they may not be working, or be working part-time at best, this can be a burden. This could make the new Junior ISA scheme attractive to parents. The Junior ISA will allow for tax free savings, where parents will be able to pay up to £3,600 a year into a Junior ISA account on behalf of their children. This plus the accumulated interest will then be available to children once the turn eighteen, the age when many begin university.
Andrew Marshall (c)
Monday, August 8, 2011
Who Should Use a VPN?
In the modern world online security is becoming more and more important. The internet is used for all sorts of reasons, potentially putting users at risk. This is where a VPN (virtual private network) comes in. A VPN can protect against security risks and prevent a computer or computer network from being compromised. Examples of where a VPN can be useful are where several people are sharing resources or where data security could be an issue for whatever reason. It allows for secure communications between different locations.
Below are some examples of where a VPN can be useful.
For a Business
A VPN enhances business security and can make a business much more flexible. It means employees are able to work from many locations. They can work from different offices, from home, or anywhere else using a laptop. They can do this while still working on a secure network. They are able to gain access to the company’s network without others being able to intercept it and can access the network wirelessly. For some businesses is can be very beneficial to have people working in several locations. Being able to do this securely can make employees much more productive.
Government Organisations
Government organisations store all kinds of data on many different things. This means they store billions of pieces of information, much of which needs to be kept securely. It is also often sent between different networks. It is vital that steps are taken to make sure security is not compromised.
Medical Records
These days all of our medical records are stored digitally. It is important, therefore, that people’s privacy is maintained. Medical records can be sent between doctor’s surgeries if patients are changing doctor and can be sent between a surgery and a hospital prior to a hospital visit. With information being exchanged in this way it makes security particularly important.
Wireless Hotspots
Many people use wireless hotspots to gain internet access using laptops, smart phones, and other internet enabled devices. These can be found in cafes and airports amongst other places. Something a lot of people don’t realise, though, it that they are not as secure as using the internet at home, for example, as they are relatively easy to intercept. Having a VPN installed onto the device you are using can prevent your private information from being hacked into.
Personal Information
People are using the internet more and more in everyday life and have all sorts of information on their computer. Many also shop online, meaning they input credit card details. It is therefore very important that people’s home computers are kept secure. A virtual private network will provide a crucial extra layer of security.
Whether you are a business, another type of organisation or an individual user, if you deal with sensitive information or information that must be kept secure, a VPN can help. Using a VPN makes any computer or computer system more secure by encrypting data so it cannot be interpreted and understood by those who should not have access.
Andrew Marshall (c)
Below are some examples of where a VPN can be useful.
For a Business
A VPN enhances business security and can make a business much more flexible. It means employees are able to work from many locations. They can work from different offices, from home, or anywhere else using a laptop. They can do this while still working on a secure network. They are able to gain access to the company’s network without others being able to intercept it and can access the network wirelessly. For some businesses is can be very beneficial to have people working in several locations. Being able to do this securely can make employees much more productive.
Government Organisations
Government organisations store all kinds of data on many different things. This means they store billions of pieces of information, much of which needs to be kept securely. It is also often sent between different networks. It is vital that steps are taken to make sure security is not compromised.
Medical Records
These days all of our medical records are stored digitally. It is important, therefore, that people’s privacy is maintained. Medical records can be sent between doctor’s surgeries if patients are changing doctor and can be sent between a surgery and a hospital prior to a hospital visit. With information being exchanged in this way it makes security particularly important.
Wireless Hotspots
Many people use wireless hotspots to gain internet access using laptops, smart phones, and other internet enabled devices. These can be found in cafes and airports amongst other places. Something a lot of people don’t realise, though, it that they are not as secure as using the internet at home, for example, as they are relatively easy to intercept. Having a VPN installed onto the device you are using can prevent your private information from being hacked into.
Personal Information
People are using the internet more and more in everyday life and have all sorts of information on their computer. Many also shop online, meaning they input credit card details. It is therefore very important that people’s home computers are kept secure. A virtual private network will provide a crucial extra layer of security.
Whether you are a business, another type of organisation or an individual user, if you deal with sensitive information or information that must be kept secure, a VPN can help. Using a VPN makes any computer or computer system more secure by encrypting data so it cannot be interpreted and understood by those who should not have access.
Andrew Marshall (c)
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