Steel is a material that has many uses. There are many types of steel and they can be used for steel framed buildings, garages, sheds, in vehicles and as window shutters as well as for many other purposes. As a material it has many advantages over others.
Steel is generally very long lasting. Unlike wood it will not rot which increases its chances of lasting many years. It doesn’t naturally age in the same way as other materials might. Of course it won’t last forever, but its longevity is impressive compared with alternatives.
Steel is a very strong material. It will not collapse under pressure the way that other materials can. Weather conditions exposing steel is a rarity. This is why they are often used for shutters protecting window of shops, for example. As well as from the natural elements, window shutters can also be used as a protective material from vandalism. Due to the strength it has it is very easy to maintain.
The environment is something that a lot of people take very seriously these days and being environmentally friendly is important to many. Steel is a sustainable material and can be easily recycled. This means that even after its long use for one purpose it can be used again for something else.
The ease of use is an important advantage in using steel as a building material. Building with it can be a quick process. It can be easily modified; if a building made from steel needs altering the interior walls can be easily moved to create a completely different interior. It is also easily transportable and even an entire building can be moved from one location to another. The quality of steel is also a benefit and it is consistent throughout unlike wood which can fluctuate.
Steel is more expensive than wood but cheaper than most other materials. But even compared to wood it can be cost effective. Because of some of the advantages outlined above, such as its strength and longevity, it can work out cheaper in the long run. Unlike wood, steel doesn’t need treating to keep it in good condition.
A final advantage of steel is safety. Again comparing it to wood, it is significantly more fire resistant. Fire cannot make its way through steel in the same way as wood, which can prevent it spreading from one room to another if used for a building. It is also less likely to give way unexpectedly compared to other materials.
Andrew Marshall (c)
Monday, November 29, 2010
The Basic Principles of Employment Law
Employment Law can be a complex issue. It is important for employers to make sure they are acting within the law, while it is important for employees to know that they are being treated fairly. Here we look at some of the basic principles of employment law in the UK. They generally refer to permanent, full-time employees who are over the age of twenty-one and have been in the same job for more than three months.
Contract
Employees must have a contract of employment. Contrary to popular belief though, this does not have to be in a written form, although in most cases it is. It can simply be a verbal agreement. Both the employee and employer must follow the conditions set out in the contract. These effectively become the rules of the employment and it is against the law to ignore these.
Minimum Wage
In the UK there is a national minimum wage and all employees must be paid according to this. The minimum wage varies for those in different age groups up to the age of twenty-one, but for anyone over twenty-one it is currently £5.93 an hour.
Holiday
Everyone is entitled to at least four weeks annual holiday. For those working five days a week this accounts to twenty days a year. On top of these they must either be given bank holiday’s off, or have other days off to make up for these. So this affectively means twenty-eight days holiday a year.
Discrimination
Employees cannot be discriminated against for any reason. Among the reasons that come to mind is discriminating against gender, race, religion or any disabilities. It is also against the law to harass employees for any reasons, whether this is verbal abuse or inappropriate physical contact.
Maternity and Paternity Leave
Both new Mothers and new Fathers are entitled to time off around the time of the birth of their child. Maternity leave can be taken for up to one year with the first thirty-nine weeks paid. The first six weeks must be paid at 90% of their normal wage with the rest paid at the fixed amount of £124.88 a week. Paternity leave can be taken for up to two weeks and is paid at £112.85 a week.
Rules Regarding Dismissals
After one year of employment someone cannot be dismissed without a valid reason. An employer must also go through the relevant disciplinary procedures before terminating an employee’s employment.
Sick Pay
Employees are entitled to sick pay if they are unwell or injured. This is not paid for the first three days but beyond this is paid for the next 28 weeks. It is paid at a fixed rate of £79.15 a week or the equivalent if not a full week. This includes any time off connected to a disability an employee may have.
Flexible Working Time
If an employee is the parent of someone under the age of seventeen then they can request flexible working hours. Examples can include asking to work part-time, work school hours, work from home or job share. Although employers do not have to accept the request they must consider it and have a valid reason to refuse.
Andrew Marshall (c)
Contract
Employees must have a contract of employment. Contrary to popular belief though, this does not have to be in a written form, although in most cases it is. It can simply be a verbal agreement. Both the employee and employer must follow the conditions set out in the contract. These effectively become the rules of the employment and it is against the law to ignore these.
Minimum Wage
In the UK there is a national minimum wage and all employees must be paid according to this. The minimum wage varies for those in different age groups up to the age of twenty-one, but for anyone over twenty-one it is currently £5.93 an hour.
Holiday
Everyone is entitled to at least four weeks annual holiday. For those working five days a week this accounts to twenty days a year. On top of these they must either be given bank holiday’s off, or have other days off to make up for these. So this affectively means twenty-eight days holiday a year.
Discrimination
Employees cannot be discriminated against for any reason. Among the reasons that come to mind is discriminating against gender, race, religion or any disabilities. It is also against the law to harass employees for any reasons, whether this is verbal abuse or inappropriate physical contact.
Maternity and Paternity Leave
Both new Mothers and new Fathers are entitled to time off around the time of the birth of their child. Maternity leave can be taken for up to one year with the first thirty-nine weeks paid. The first six weeks must be paid at 90% of their normal wage with the rest paid at the fixed amount of £124.88 a week. Paternity leave can be taken for up to two weeks and is paid at £112.85 a week.
Rules Regarding Dismissals
After one year of employment someone cannot be dismissed without a valid reason. An employer must also go through the relevant disciplinary procedures before terminating an employee’s employment.
Sick Pay
Employees are entitled to sick pay if they are unwell or injured. This is not paid for the first three days but beyond this is paid for the next 28 weeks. It is paid at a fixed rate of £79.15 a week or the equivalent if not a full week. This includes any time off connected to a disability an employee may have.
Flexible Working Time
If an employee is the parent of someone under the age of seventeen then they can request flexible working hours. Examples can include asking to work part-time, work school hours, work from home or job share. Although employers do not have to accept the request they must consider it and have a valid reason to refuse.
Andrew Marshall (c)
Thursday, November 25, 2010
Safe Online Shopping Tips
With Christmas coming up the number of people shopping online is likely to be the highest it has even been. With many great offers available internet shopping has increased significantly in recent times. Monday 29th November is expected to be the busiest even online shopping day in the UK. It is being dubbed ‘Magic Monday’.
There are advantages to shopping online. You can avoid the crowds, you don’t have to leave your computer, and there are many great deals available that you can’t get in the shops. However, there are also things to be wary of. There are people who use internet shopping to their advantage to carry out malicious attacks to either damage people’s computers, or to gain their payment details. This has made internet safety imperative.
So what can you do to avoid being defrauded? Here are some tips for safe online shopping.
The first thing you should do is make sure your computer is up to date with the latest anti-virus software and spam filters. This will ensure you have the best protection possible against those wishing to attack your computer with viruses. It is important though, to make sure these are genuine products. Be careful as some software advertised as anti-virus can actually attack your computer with a virus, which will either damage your computer or gain access to confidential information stored on your computer.
Before purchasing through a website it is important to make sure you check it is safe. It is wise to make sure the company in question has a telephone number and address on their website. If they do not they may not be a reputable business. You might even want to give the company a call if you have any doubts. It is a good idea to use businesses that you know of, as you know you can trust them.
For any websites that you are unsure of you should carry out some research. It is a good idea to type the name of the website into a search engine and ask about it on relevant forums. If people have been fooled by them before you will usually find someone has written about it to warn others.
If a website has what seems like ridiculous offers then be wary. If prices are way under the norm then don’t trust it unless you are sure. Although it may be genuine it isn’t worth the risk if you are unsure.
When purchasing online you should ideally pay using a credit card, which gives you more rights should there be a problem. PIN’s are never required for online purchases so if a site asks for this do not enter it and use a different website instead. There are two things you should look for in the address box to make sure a payment is secure. For a secure payment the URL should begin with ‘https’ rather than the usual ‘http’. There should also be a lock symbol. If you have entered any card details and then realise you have made a mistake and are suspicious of the site, contact your bank immediately and explain the situation.
The most basic advice when it comes to internet shopping is not to take risks. If you have suspicions about a website, don’t use it. It is not worth the risk to save a little money or inconvenience if you are risking your computer being hacked into or your payment details being obtained by criminals.
Andrew Marshall (c)
There are advantages to shopping online. You can avoid the crowds, you don’t have to leave your computer, and there are many great deals available that you can’t get in the shops. However, there are also things to be wary of. There are people who use internet shopping to their advantage to carry out malicious attacks to either damage people’s computers, or to gain their payment details. This has made internet safety imperative.
So what can you do to avoid being defrauded? Here are some tips for safe online shopping.
The first thing you should do is make sure your computer is up to date with the latest anti-virus software and spam filters. This will ensure you have the best protection possible against those wishing to attack your computer with viruses. It is important though, to make sure these are genuine products. Be careful as some software advertised as anti-virus can actually attack your computer with a virus, which will either damage your computer or gain access to confidential information stored on your computer.
Before purchasing through a website it is important to make sure you check it is safe. It is wise to make sure the company in question has a telephone number and address on their website. If they do not they may not be a reputable business. You might even want to give the company a call if you have any doubts. It is a good idea to use businesses that you know of, as you know you can trust them.
For any websites that you are unsure of you should carry out some research. It is a good idea to type the name of the website into a search engine and ask about it on relevant forums. If people have been fooled by them before you will usually find someone has written about it to warn others.
If a website has what seems like ridiculous offers then be wary. If prices are way under the norm then don’t trust it unless you are sure. Although it may be genuine it isn’t worth the risk if you are unsure.
When purchasing online you should ideally pay using a credit card, which gives you more rights should there be a problem. PIN’s are never required for online purchases so if a site asks for this do not enter it and use a different website instead. There are two things you should look for in the address box to make sure a payment is secure. For a secure payment the URL should begin with ‘https’ rather than the usual ‘http’. There should also be a lock symbol. If you have entered any card details and then realise you have made a mistake and are suspicious of the site, contact your bank immediately and explain the situation.
The most basic advice when it comes to internet shopping is not to take risks. If you have suspicions about a website, don’t use it. It is not worth the risk to save a little money or inconvenience if you are risking your computer being hacked into or your payment details being obtained by criminals.
Andrew Marshall (c)
Wednesday, November 24, 2010
The Benefits of Shutters over Blinds
If you are decorating the interior of your home you may be thinking about installing blinds or shutters. Both of these have many benefits. They can be custom made (which is the case most of the time with shutters) and are adjustable. Shutters also offer other benefits that blinds do not.
Shutters are usually made of wood and have louvres that can be opened and closed to keep air, light and the weather conditions out or let them in. When wooden shutters are installed they become a real part of the home. As with blinds they have a practical purpose, but they are not just there to keep the light out and to keep the home private. They are a real permanent fixture and add value to the home, something that certainly can’t be said of other window coverings. They are permanent, as in they are fixed to the building and usually remain in place when the house is sold. They are therefore taken into consideration during the valuation of the home meaning they are effectively an investment. Shutters are generally considered more aesthetically pleasing than blinds as they give a very homely and traditional feel. They are traditional but practical.
Shutters are sturdier than blinds. Blinds are fairly easy to break, something that cannot be said for shutters. They are long lasting, in fact can last a lifetime. They usually come with a lifetime guarantee which shows the makers confidence in their product and means that any unexpected problem will be covered free of charge. The solid nature of wooden shutters means they do not let any light in, something that blinds sometimes do. Due to the types of wood used noise is blocked out when the shutters are closed.
With shutters you have a large amount of choice regarding the style. They can be painted any colour a home owner wishes. There are also a large variety of styles available, from full-height shutters to solid shutters. The amount of customisation possible is particularly useful for those who have unusually shaped windows, something that ready-made blinds do not take into consideration.
Although shutters are more expensive than blinds, some of this can be clawed back as they help to insulate a home. They can keep the cold winters out, as well as keeping the heat out during the summer. Keeping the house warmer during the winter means that heating bills can be reduced.
There are many positives in choosing shutters. They give a home a traditional feel, but also have the practical advantages of allowing light, air, and the weather conditions to come into the home, or to keep them out.
Andrew Marshall (c)
Shutters are usually made of wood and have louvres that can be opened and closed to keep air, light and the weather conditions out or let them in. When wooden shutters are installed they become a real part of the home. As with blinds they have a practical purpose, but they are not just there to keep the light out and to keep the home private. They are a real permanent fixture and add value to the home, something that certainly can’t be said of other window coverings. They are permanent, as in they are fixed to the building and usually remain in place when the house is sold. They are therefore taken into consideration during the valuation of the home meaning they are effectively an investment. Shutters are generally considered more aesthetically pleasing than blinds as they give a very homely and traditional feel. They are traditional but practical.
Shutters are sturdier than blinds. Blinds are fairly easy to break, something that cannot be said for shutters. They are long lasting, in fact can last a lifetime. They usually come with a lifetime guarantee which shows the makers confidence in their product and means that any unexpected problem will be covered free of charge. The solid nature of wooden shutters means they do not let any light in, something that blinds sometimes do. Due to the types of wood used noise is blocked out when the shutters are closed.
With shutters you have a large amount of choice regarding the style. They can be painted any colour a home owner wishes. There are also a large variety of styles available, from full-height shutters to solid shutters. The amount of customisation possible is particularly useful for those who have unusually shaped windows, something that ready-made blinds do not take into consideration.
Although shutters are more expensive than blinds, some of this can be clawed back as they help to insulate a home. They can keep the cold winters out, as well as keeping the heat out during the summer. Keeping the house warmer during the winter means that heating bills can be reduced.
There are many positives in choosing shutters. They give a home a traditional feel, but also have the practical advantages of allowing light, air, and the weather conditions to come into the home, or to keep them out.
Andrew Marshall (c)
Tuesday, November 23, 2010
Can Web Hosting Reviews be Trusted?
Deciding on web hosting is an important aspect for any website. Amongst the tools that some use to decide upon their hosting are online reviews. But can these be trusted?
There are both positives and negatives of using online web hosting reviews. It is always useful to know of other people’s opinions and if you read a positive online review it is effectively a recommendation. It is useful to know which hosting companies others would recommend and the strong points of different hosts. It can be even more valuable though, to know of services that customers have been unhappy with. If you read of potential problems that would affect you then this can warn you to stay clear of that company. An online review can be more impartial than reading a testimonial that a web host has on its own website, as they are only likely to include the positive reviews.
Although online reviews can be helpful, they are reasons why they cannot always be trusted. You can’t believe everything you read online as anyone can post what they like. This can include a company posting a positive review of themselves or competition posting a negative one. Even for genuine reviews it doesn’t necessarily give an accurate portrayal of the service you will receive. Some people may have had one bad experience with a particular host, and their review may give an unfair negative impression based on just one factor for one customer.
One online review does not give a definitive answer as to whether a host is a good or bad one. Whether a review is good or bad, it may just be a one off or the host or competition posting the review. If something is repeated again and again across a number of online resources though, then it is quite possible that it gives an accurate impression.
When looking into web hosting you need to consider what is important to you; the type of web hosting you need and the aspect of it that you see of as most important. This will help you choose the hosting that fits your needs. It is the same for hosting reviews. If a company seems to have certain weaknesses if may not matter if it is something that will not affect or matter to you, while if it will affect you, you know that you should disregard that company. The same goes for their strengths. If it is something that is important to you then it can be a major plus point in you choosing that hosting company but if it is not important to you then it doesn’t really matter how good they are at it. It may be that a particular host is good at some things but not others, for example good at colocation hosting but not shared hosting, or good at business hosting but not personal hosting. This will allow you to make a decision based on the quality they offer for the type of hosting you require.
You can never be completely sure that an online review is accurate but you can use it to assist your decision making. It is best not to trust one single review but if reviews are consistent across a number of sources and written by a number of different people then it is likely to be accurate. Reviews can be a good tool for establishing the strengths and weakness of different aspects of a host’s service.
Andrew Marshall (c)
There are both positives and negatives of using online web hosting reviews. It is always useful to know of other people’s opinions and if you read a positive online review it is effectively a recommendation. It is useful to know which hosting companies others would recommend and the strong points of different hosts. It can be even more valuable though, to know of services that customers have been unhappy with. If you read of potential problems that would affect you then this can warn you to stay clear of that company. An online review can be more impartial than reading a testimonial that a web host has on its own website, as they are only likely to include the positive reviews.
Although online reviews can be helpful, they are reasons why they cannot always be trusted. You can’t believe everything you read online as anyone can post what they like. This can include a company posting a positive review of themselves or competition posting a negative one. Even for genuine reviews it doesn’t necessarily give an accurate portrayal of the service you will receive. Some people may have had one bad experience with a particular host, and their review may give an unfair negative impression based on just one factor for one customer.
One online review does not give a definitive answer as to whether a host is a good or bad one. Whether a review is good or bad, it may just be a one off or the host or competition posting the review. If something is repeated again and again across a number of online resources though, then it is quite possible that it gives an accurate impression.
When looking into web hosting you need to consider what is important to you; the type of web hosting you need and the aspect of it that you see of as most important. This will help you choose the hosting that fits your needs. It is the same for hosting reviews. If a company seems to have certain weaknesses if may not matter if it is something that will not affect or matter to you, while if it will affect you, you know that you should disregard that company. The same goes for their strengths. If it is something that is important to you then it can be a major plus point in you choosing that hosting company but if it is not important to you then it doesn’t really matter how good they are at it. It may be that a particular host is good at some things but not others, for example good at colocation hosting but not shared hosting, or good at business hosting but not personal hosting. This will allow you to make a decision based on the quality they offer for the type of hosting you require.
You can never be completely sure that an online review is accurate but you can use it to assist your decision making. It is best not to trust one single review but if reviews are consistent across a number of sources and written by a number of different people then it is likely to be accurate. Reviews can be a good tool for establishing the strengths and weakness of different aspects of a host’s service.
Andrew Marshall (c)
Wednesday, November 17, 2010
The End of the Child Trust Fund
The Conservative – Liberal Democrat coalition have begun to make changes to the Child Trust Fund, and will be scrapping the scheme altogether in the new year. The Child Trust Fund was bought in by the previous Labour government with parents given a £250 voucher to invest on behalf of their new born children, following by another £250 voucher when their child turns 18. Both of these amounts have been double for children in families earning a combined total of less than £16,190 a year. There are three different types of account where parents are currently able to place this investment. Family and friends can invest a further £1,200 a year. The idea was to build up savings for children that they would then be able to use once they became an adult. Only the child is allowed to take the money out, and only once they have passed their eighteenth birthday. With £500 invested by the government plus up to £1,200 a year (£21,600 in total) by family and friends, once interest has been added this could lead to a significant sum of money after 18 years.
Both the Conservative Party and Liberal Democrats were against the Child Trust Fund is the form it was in, and stated so in their pre-election manifesto’s. The Conservatives wanted to scrap it for all but those who are less well off, probably those earning less than £16,000 per year, while the Liberal Democrats wanted to scrap the scheme altogether. It seems as though the plans are closer to what the Lib Dem’s wanted.
The Child Trust Fund will be completely scrapped from 1st January 2011. Until then vouchers at birth will still be given but only at £50 instead of £250. This is again doubled for those families earning less than £16,190 a year. Parents of children not born yet will receive the voucher if born before January but not if born afterwards. Vouchers contain an expiry date and parents whose children are born prior to January have until the expiry date to invest the voucher even if this is after the Child Trust Fund cut-off date. Vouchers at the age of 7 have already been discontinued, so are no longer received. This was scrapped in August.
Existing accounts will continue as they are until they mature. Therefore those who have already received both the voucher at birth and at age seven will be unaffected by the changes. Those have received the initial voucher but not the second one will have the same benefits minus the second £250 investment by the government. In both these cases family and friends will still be able to make the £1,200 annual investment into the account.
It is children of the future who will be impacted. However a new government scheme is set to be bought in, called the Junior ISA. The Junior ISA will work in a similar way to the Child Trust Fund but without the government investment. Amongst the advantages will be tax free investment, but the restrictions will also remain in place with a maximum investment of £1,200 a year. The future of child savings by parents on behalf of their children looks like it could be the Junior ISA.
Andrew Marshall (c)
Both the Conservative Party and Liberal Democrats were against the Child Trust Fund is the form it was in, and stated so in their pre-election manifesto’s. The Conservatives wanted to scrap it for all but those who are less well off, probably those earning less than £16,000 per year, while the Liberal Democrats wanted to scrap the scheme altogether. It seems as though the plans are closer to what the Lib Dem’s wanted.
The Child Trust Fund will be completely scrapped from 1st January 2011. Until then vouchers at birth will still be given but only at £50 instead of £250. This is again doubled for those families earning less than £16,190 a year. Parents of children not born yet will receive the voucher if born before January but not if born afterwards. Vouchers contain an expiry date and parents whose children are born prior to January have until the expiry date to invest the voucher even if this is after the Child Trust Fund cut-off date. Vouchers at the age of 7 have already been discontinued, so are no longer received. This was scrapped in August.
Existing accounts will continue as they are until they mature. Therefore those who have already received both the voucher at birth and at age seven will be unaffected by the changes. Those have received the initial voucher but not the second one will have the same benefits minus the second £250 investment by the government. In both these cases family and friends will still be able to make the £1,200 annual investment into the account.
It is children of the future who will be impacted. However a new government scheme is set to be bought in, called the Junior ISA. The Junior ISA will work in a similar way to the Child Trust Fund but without the government investment. Amongst the advantages will be tax free investment, but the restrictions will also remain in place with a maximum investment of £1,200 a year. The future of child savings by parents on behalf of their children looks like it could be the Junior ISA.
Andrew Marshall (c)
The Impact of the Proposed Legal Aid Changes
Justice Secretary Ken Clarke has been laying out proposals for changes in legal aid that will limit the types of cases where legal aid is available, therefore savings significant costs. Currently over £2 billion a year is spent on legal aid in the UK, an amount that is more than ten times that of France. Areas where legal aid will no longer be available will include claims against hospitals, doctors and schools, immigration, benefit and employment disputes and family law cases. Also in the proposals is that fees for legal aid solicitors will be cut by 10%. It is being seen by supporters as removing legal aid where it is being wasted but keeping it where it is really seen as necessary, while critics say that it will mean the poorest members of society will in some cases be unable to get justice.
So, what will be the impact of these changes should they go ahead?
One area of law that has significantly increased over the last decade is no-win no-fee suits. Currently the costs, and therefore solicitor’s fees, are recovered from the losing side. This is something that will no longer be possible.
In most cases legal aid will no longer be available in cases against public institutions such as doctors, hospitals and schools. Cases that will be affected will include those seeking legal action after medical mistakes. With regard to schools it is likely to limit the number of accident claims and appeals against school entrance. Some would argue that not being able to take legal action for genuine accidents is a good thing while other say it means that institutions will no longer be held responsible for a lack of care.
Family Law is seen as an area that will be impacted most by these proposed changes. Half of the total money saved will happen in the area of family law alone. Legal aid will still be available in cases that involve domestic violence, forced marriage and child abduction, but in a relatively straight forward case it will not be the case.
In general it is expected that the number of so called minor legal disputes will be less commonplace. This is something supporters see as a major plus points, on top of the obvious fact that it will save public money. The changes may put to an end (to an extent anyway) the increasing culture of looking for blame to profit from unfortunate situations, such as minor accidents. Some see certain cases as people taking advantage of legal aid where they would not pursue the case if they had to pay for it themselves, even if they could afford to. This will therefore reduce unnecessary legal action.
There are, of course, potential problems. Some are worried that the less well off will suffer unfairly, that there will be situations where people will not get justice where someone better off, and able to afford legal advice themselves, will be able to carry a case forward. It could also lead to irresponsibility with businesses, organisations and individuals held less responsible for their actions.
Andrew Marshall (c)
So, what will be the impact of these changes should they go ahead?
One area of law that has significantly increased over the last decade is no-win no-fee suits. Currently the costs, and therefore solicitor’s fees, are recovered from the losing side. This is something that will no longer be possible.
In most cases legal aid will no longer be available in cases against public institutions such as doctors, hospitals and schools. Cases that will be affected will include those seeking legal action after medical mistakes. With regard to schools it is likely to limit the number of accident claims and appeals against school entrance. Some would argue that not being able to take legal action for genuine accidents is a good thing while other say it means that institutions will no longer be held responsible for a lack of care.
Family Law is seen as an area that will be impacted most by these proposed changes. Half of the total money saved will happen in the area of family law alone. Legal aid will still be available in cases that involve domestic violence, forced marriage and child abduction, but in a relatively straight forward case it will not be the case.
In general it is expected that the number of so called minor legal disputes will be less commonplace. This is something supporters see as a major plus points, on top of the obvious fact that it will save public money. The changes may put to an end (to an extent anyway) the increasing culture of looking for blame to profit from unfortunate situations, such as minor accidents. Some see certain cases as people taking advantage of legal aid where they would not pursue the case if they had to pay for it themselves, even if they could afford to. This will therefore reduce unnecessary legal action.
There are, of course, potential problems. Some are worried that the less well off will suffer unfairly, that there will be situations where people will not get justice where someone better off, and able to afford legal advice themselves, will be able to carry a case forward. It could also lead to irresponsibility with businesses, organisations and individuals held less responsible for their actions.
Andrew Marshall (c)
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