Archive for March, 2013


UK’s Most Affordable Cities

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Any UK outsider would think that living in the United Kingdom is quite expensive in general, but recent figures and statistics show that living in the UK, even with residential and commercial properties and taxes in hand, gives UK citizens great breathing room for finances. House prices are now at an average of £172,556 and increased by 1.7% the last year. Here’s a list of cities you might want to live in in the future.

Londonderry in Northern Ireland is the most affordable UK city to live in. Houses now cost less than 3.5 multiplied to the yearly local wage, giving any UK citizen a chance to live in a debt-free home.

Lisburn and Belfast in Northern Ireland are also as affordable as Londonderry. However, UK citizens will need to have an income similar to local wages to purchase a home within a few years.

Experts say most northern cities, including Salford, Hull and Lancaster are the best cities to live in based on income and house prices.

However, the least affordable cities in the UK are Oxford, as house prices are multiplied 10 by the yearly earnings of citizens. The south of England held strong as being some of the most expensive properties that will take years for a citizen to purchase based on local income.

Source: Telegraph


Whiplash Compensation Claims: What to Watch Out For This Year

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UK citizens worry that they will be left at the mercy of their insurance companies as the Ministry of Justice will soon implement the new whiplash compensation claim guidelines aimed to reduce the number of fraud and exaggerated claims in the industry. The MOJ’s move was a response to the increasing expenses of the insurance industry, providing £2 billion yearly for out-of-court settlements and legislative fees.

Whiplash pain

The Association of British Insurers said that honest drivers are paying £118 yearly for car insurance premiums as the fraud whiplash claims continue to rise. To reduce the costs, the Ministry of Justice and the UK government plan to implement a minimum whiplash injury speed threshold, preferably Germany’s 10km/h threshold, increasing in-car monitoring in most UK vehicles and victims will need to present two medical evaluations of their injuries.

Whiplash is an injury to the back of the neck and head common in car accidents. Due to sudden inertia, the head snaps back and forth, possibly ripping the neck ligaments. Moderate whiplash injuries could cause a day or week of suffering nausea and disorientation. Severe cases could possibly paralyze victims due to spinal cord damages.

The Ministry of Justice also plans the Small Claims Court to provide for car accident compensation. The MOJ plans to increase the court’s payouts from £1000 to £5000.

However, the Association of Personal Injury Lawyers condemn the Small Claim Court’s increase. They point out that the MOJ intended the court to pay for product and service problems; to have it pay for car accident injuries including whiplash can leave victims undercompensated.


The Different Purposes of the Constitution and Laws

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Almost every book, movie or other storytelling mechanism often shows that without laws, there is no system and order. The government and its constitution ensure that citizens follow the proper processes to avoid “stepping” upon the freedom of others and laws tackle the sub-areas of these processes. The laws protect citizens from the following possible problems in the future.

1. Consumer-Related Troubles
Citizens have the right to make a complaint against a manufacturer or business’ faulty products and services. Businesses will need to refund a customer with a defective product upon successful claiming, or they must compensate a customer injured by their product or service malfunction.

2. Legal Balance
Legal “loopholes” exist and often, people who excel in the legal industry can offer high-paying clients their services in using these loopholes for illegal activities and other “un-punishable” ventures. The law makes sure that there is legal balance and nobody uses the law to gain the upper hand against another entity. A perfect example of this is the difference between denatured alcohol and vodka; both are safe to drink, but a harmful additive is added to denatured alcohol to ensure people make the consumable alcohol market move and they do not get cheaper alcohol through drinking denatured alcohol.

3. Offenses
When one citizens inflicts danger or harm against another citizen, the offending party will compensate the victims for the damages brought by their actions. Citizens can only achieve order and justice from these cases through proper legal channels to ensure that the action is based on acceptable moral values and adheres to the constitutional law.