- all people involved with the project are competent
- the risks to health and safety are properly managed
- sufficient time and resources are available for the work to be carried out safely
- information about known risks, such as the presence of asbestos materials, is provided to those involved with the project
- if more than one contractor is involved, one of them is appointed, in writing, as the Principal Contractor, and ensure that a construction phase plan is prepared before work starts.
In addition, if the construction work is going to last more than 30 working days, or involve more than 500 man days (eg 10 operatives working for 50 days) then additional steps must be taken to ensure that:
a health and safety project coordinator (HSPC) is appointed in writing certain health and safety related information is provided to the HSPC
- retain and provide access to a health and safety file which is prepared for the project
A new car is the second most expensive purchase many people make, after their home. So, consider your options carefully before signing on the dotted line.
Research from the motor insurance group Esure shows that nearly a third of buyers do not even haggle over the price of a new vehicle, and only one in 10 spends more than an hour researching finance options. (Daily Telegraph, Sep 2009)Read More
Three key messages emerged from our survey:
- We must all take personal responsibility for
our financial health;
- We must all research our facts and ask questions to help us make informed decisions and to better understand the bigger picture of what financial health entails – over the short, medium and long term;
- Most importantly we must NEVER put our head in the sand – financial difficulties escalate not diminish!
APR – Annual Percentage Rate
Annual Percentage Rate
Everyone has heard of the abbreviated term “APR” but what does it exactly mean? And if we need a loan what are the conditions that we need to adhere to?
APR stands for “the Annual Percentage Rate of charge” and it can be used to compare different credit and loan offers. It is used as a measuring mechanism, which takes into account not just the interest on a loan, but also other charges incurred for borrowing the money (i.e. any arrangement fee).
APR will vary from lender to lender, but in short, the APR tells you how much your borrowing will cost over the course of a year, as a proportion of the amount you have borrowed. So if you are borrowing £100 at an APR of 9%, you will pay £9 in interest and charges over the first year.Read More