uk

Cyber Insurance for Solicitors in the UK

Cyber Insurance Development

Source:csoonline.com

The development of cyber insurance in Europe began in 1995 with the adoption of the EU Data Protection Directive when data protection was established as a right of EU citizens. In the mid-2000, increased dependence on information technology and major hacker scandals led to increased demand for cyber insurance. In 2013, the EU announced the EU Cyber ​​Security Directive, which sets out minimum business security measures. 2013/2014 insurance companies make offers in a wider market, and in London, there are 25-30 markets for this insurance. In 2015, the implementation of the data protection legislation reform was expected, but this was postponed for later. The cyber insurance market is estimated to generate more than € 700 million in premiums. Bypassing stricter laws on personal data protection, the cost of resolving cyber intrusions is increased, through the cost of notifying the authorities within 72 hours, clients, relationship costs with the public and legal costs. In Europe, the European Global Data Protection Regulation is expected to enter into force in May 2018, a provision adopted in 2016. If a company fails to comply with the provisions of this regulation, it can be penalized with 2% to 4% of their global revenue, depending on the type of activities and with the application of monetary restrictions (maximum of EUR 20 million). The enactment of this regulation could bring further accelerated growth of cyber insurance.

Law Firms Under Attack

Source:cyberlockdefense.com

The UK legal sector faced a serious cybersecurity concern in 2020. True enough because a recent government report estimated around sixty percent (60%) of law firms in the UK have suffered from a form of cyberattack or data breach in the past twelve (12) months of their operation. With the challenges brought about by the pandemic and law firms’ digital platforms, cybercriminals are easily attracted to steal a huge amount of money and confidential information that they can use to their advantage from this industry.

Sad to say, quite a lot of solicitors deny the fact that they are favorite targets of hackers. Moreover, around two thirds (2 out of 3) of law firms in the UK do not have a cyber incident response plan to neutralize cyberattacks.

Due to the effects of the pandemic, seventy percent (70%) of lawyers are working online to protect themselves and adhere most to most of the health protocols in the U.K. These factors and situations make them easy prey for the cybercriminal beasts. Furthermore, a problem may also arise from an unintentional opening of documents resulting in business email compromise.

Know your Enemy and Own Weaknesses

The “Art of Warfare”, as most strategists call it, requires a vivid knowledge of the following information, namely: (1) Who or what is attacking you? (2) What are the methods being used in the attacks? (3) Are my weak points repairable or curable? Lastly, know how you can defend, protect and reinforce your army or in this case your cyber defenses and data security.

With the revolution of the internet, technology comes the advancement of cyber criminality, and it is a fact in every aspect. Every hacker is innovating and just waiting for the perfect timing for every attack. Various methods are being used from simple emails to drastic ransomware or what we call, “professional criminals”. However, there are instances that data breaches are being committed due to carelessness and negligence. These, too, are weak points that need to be addressed.

Winning the Battle

Source:thimmeschkastner.com

Cyber ​​insurance is not just a form of protection against potential IT and Cyber ​​risks. It is part of the business strategy and business culture of any serious organization. Not having adequate protection against more and more frequent and certain incidents like data leaks or Cyber ​​extortion means that you do not take your business seriously. Or maybe you think you are one of those lucky people who will be bypassed by such incidents? Cyber ​​insurance, in short, is financial coverage in cases of Cyber ​​incidents. In cases where your company suffers damage, Cyber ​​Insurance serves to cover all material costs incurred the moment you are exposed to an incident. An incident usually affects not only your company but also your business connections. Your company’s client has the right to hold you accountable in the event of a Cyber ​​incident, and if you are not insured, you will pay the accompanying court, administrative and other costs. For most small or medium-sized businesses, even the smallest cost of a Cyber ​​incident can bring future business into question. Not to mention the secondary damage: reputational damage, dissatisfied and damaged clients, laid-off employees, vulnerable families, etc.

Fortunately, we have cyber insurance for solicitors here in the UK on sites like cyberinsurance.co.uk. These cyber liability insurances can create a data security platform to address the weak points of a law firm. Such cyber insurance coverage generally protects you starting from the business aspects of it to the more confidential nature or even family nature of your precious data and information.

Cyber liability insurance will give us the peace of mind we need as we continue to face the challenges of the pandemic, human errors, and cybercriminal attacks. It will assure us that everything will be in control and order before, during, and even after a cyber attack or data breach. It feels so secure knowing you are backed up by experts and professionals in times of crisis.

Further Security and Peace of Mind

Source:ox.ac.uk

Cyber-attacks and human errors are inevitable. But there are solutions for every situation in this industry especially in the protection of data confidentiality on law firms and lawyers. Cyber insurance coverage can reimburse any loss in profits should your firm need to stop operating temporarily due to a data breach. Immediately, experts and cyber professionals are within reach to assist you in managing the crisis hands-on.

Not only that one may suffer business interruption but also legal costs or fines may be imposed by a government agency or regulatory commission. But having cyber insurance will protect your firm from further loss. Furthermore, experts will be deployed to recover any data loss and reinforce your data security so it will no longer be vulnerable to cyber-attacks or mistakes.

These are only some of the general coverage of cyber insurance and every company offering such may vary by adding some more services and data protection. In conclusion, all law firms must secure a policy of this type since all of us rely on data management and security.

Cyberattacks may evolve and come anytime if we are unprepared. So, it is better to be sure or I should say secure than be sorry later on. Interestingly, having cyber insurance is not costly and surely a very practical move nowadays.

Where are the Best Places to Live in the UK

The United Kingdom is a country of possibilities. Environmentally diverse, that gives hope to people as an ideal place to live in. You are welcomed with open arms and you can quickly adapt to it because of the enchanting neighbourhood you can have. When people talk about the UK, the first thing that comes to mind is London. But, it is not limited to that area – the United Kingdom’s beauty lies from within. The best places to live in lies outside London – places where you can quickly call home and acquire the sense of freedom that you want. If you are searching for a home or an flat, take a look at the options on for-sale.com. Now, let’s have a look at the best cities to live in UK.

Living Outside of London

Source:cntraveller.com

Once you take the challenge of living outside London, you will feel a sense of excitement and accomplishment. It can also open up new possibilities and opportunities in knowing your right path. You will also get the chance to explore the UK’s hidden gems – the unique vibes and classic styles. Here are the top places you can consider helping you explore where to live in the United Kingdom.

Birmingham

Source:investwm.co.uk

It is the second-largest city in the UK; locals affectionately call it Brum. Most expatriates see this as an industrial place. But, you can consider this a place of settlement. The industrial vibe from Brum boosts its culture and diverse heritage. You can see this in the shopping practices, building structures, museums, and even the famous canal side dining.

Birmingham’s size can be a great deal because it has various areas to choose from. It all depends on your preference, from a picture-perfect neighbourhood in Bournville, the nature vibe of Edgbaston, to the home of the famous chocolate manufacturer, Cadbury. You can also experience a canal side living experience. The accessibility of the rural landscape can help you discover extraordinary places like Malvern Hills and Cannock Chase.

Glasgow

Source:telegraph.co.uk

It is the largest city in Scotland, and it modernized itself decades ago. It was once an industrial hub place, but now has become popular especially to tourists and expatriates. Once you go into the city, you can quickly notice the elegance in its architectural designs that promote Glasgow’s heritage. It is a place to look forward to the future, ensuring that things are in the proper areas as people live for today. This famous city is widely known for shopping, partying, and dining. You can also discover lovely neighbourhoods and friendly locals.

Glasgow is famous for young professionals and students. You can also get the vibe of traditional and modern homes. You can also indulge yourself with an affordable way of living in the Queen’s Park area.

The Cotswolds and Oxford

Source:indiatvnews.com

Education is what you think about when you hear the place Oxford. It is an enchanting dream for great minds and because of this, Oxford is known as one of the best places to live in the UK. Even with a small size, Oxford does not fail to cater to a diverse community. The uniqueness of every neighbourhood is present. You can also enjoy the affluent vibe of the streets and cosy cafés.

As you head west from Oxford, you can enjoy the mesmerizing nature that the Cotswolds offers. You can stand in awe of the 2,000 square kilometres of green hills. The villages also take part in the beauty of the landscape with houses made from local honey-colored stone. If you are looking for a family-centered way of living accessible to famous rural destinations then Oxford – Cotswolds can be one of your top choices.

Brighton

Source:propertylistings.ft.com

You can choose to enjoy the luxury that Brighton can offer. It stretches along the south coast of England. It has a lot to offer, from the lively streets and the elegance of the homes on the waterfront. If you are family-centered, you can enjoy the pier and the beach. The diverse community is also accepted, having the UK’s largest LGBTQ community.

Geographically, Brighton was known for the name “London by the sea.” You can explore more here – from the cosy hills in Hanover to liberal yet extravagant Kemptown. Aside from the scenery, the way of life here is not that expensive. You can enjoy affordable homes and easily access local necessities like buses and trains.

Cardiff

Source:ontheluce.com

Caerdydd, the capital of Cardiff, is part of the cities in rebirth. The regeneration process has improved the town well. It becomes more attractive to expatriates who live and work in the UK. In shopping centres, necessities are readily available. There is no boring time for you can also enjoy yourself with sports by catching the national rugby team practice and play.

Being part of the capital can give an impression of the necessities’ high cost – but it is not the case with Cardiff. You can shop for the best yet affordable home. With the geographical structure of Cardiff, you can easily access great deals.

Edinburgh

Source:zomagazine.com

It is one of the beautiful and elegant cities that you can visit and live in the UK. An ancient volcano wrapped it, making an unforgettable sight. Aside from that, it is a Cosmopolitan capital with Edinburgh Castle in the centre. The castle itself is the centre of the city, surrounded by the magnificent Georgian town and the breathtaking Old Town. Once you settle in Edinburgh, you can experience two of the world’s famous festivals – the Fringe Festival and the International Festival. Because of these international festivals, Edinburgh has become Scotland’s centre for culture.

The Thames Valley and Reading. If you plan to move to the UK, this place can be one of your top options. It reinvented itself to cater to all the needs of the residents. There is a 20-minute train ride to Central London, and necessities and commodities are readily accessible.

You can get the cheapest home deals in Reading. You can also catch exclusive deals and experience once in a lifetime outdoor activities.

Final Thoughts

The United Kingdom is known for its beautiful scenery, amazing people, and mesmerizing culture. You can enjoy possibilities and diversely try and be what you want to be. People often think that it is only limited in London, but it is not, and there are lots of unique places to explore. The above cities are just some fantastic places in the United Kingdom.

How to Tackle the Challenges of Moving to the UK

Moving to a brand-new home is never easy. Things get even more complicated when you will have to move to a whole different city and even worse when you have to move to a whole different country. But, just because it is difficult, does not mean it is impossible. Although, things get a bit more complicated when moving to the United Kingdom. The challenges that you will face there may have a harder impact on you and your family. Acclimating to the UK standards may take a bit of time.

However, since you have decided to move to the UK, I believe that you should first prepare yourself a bit before you take that final leap. There are some things you can learn about the culture of the United Kingdom and the people that live there. You also need to find a way for transport, learn the roads, find a job and maybe even learn the accents.

But, you shouldn’t worry too much. With the right amount of planning, I think that every person is able to tackle all of these challenges. For you to make the right decisions, I can help you create the plan that you need to make some things easier on yourself.

Finding a job

Source:expatica.com

One of the first things you want to do when you move to any country, not just the United Kingdom, is to find somewhere where you will be able to work. At first, it may seem to you like this is not some of the challenges you need to tackle because you haven’t had any problems finding a job in your past before, but right now, we are talking about a whole different country. You weren’t born in the UK which means that you may not have the same privileges as everyone else.

However, you shouldn’t let this discourage you. With enough effort, I’m sure that you will be able to find a job where you will feel comfortable and accepted. Although, I would recommend finding a job before you get there. This is a much safer approach.

Of course, if the reason for moving to the UK is because you got a job here, then you can just skip this step.

Public transport

Source:policy.friendsoftheearth.uk

If your plan was to rely on public transport for traveling in the UK, I think you will need to spend a bit more time researching it and learning how it works. This is especially true when it comes to bigger cities such as London. Although, driving your own car in your cities in the United Kingdom might not be the best idea. The traffic is usually pretty awful which means it is better to rely on public transport.

With the underground rapid transit, you can basically travel anywhere you want. And it is much cheaper than having to fill up the tank of your vehicle with the gas every week.

Different plug type

You probably would think that this might not be the most challenging thing a person has to prepare for when moving to the United Kingdom. But being left without battery on your most important devices such as your smartphone is never a good thing. The microwave, your fridge, the bedside lamp, and everything else will need to be compatible with the UK plugs. They are completely different from what is in the US and what is used in every other country in Europe.

If you’re looking to find an adapter, you should look for a plug type G.

Meet some locals

Whenever moving to a completely different city or country, it is always best to befriend someone that is local or at least a citizen from this new country, in the situation, United Kingdom. Of course, the best way you can do this is just by visiting any local bar or pub. This is especially true when it comes to UK citizens. These people love going to pubs and they enjoy meeting and drinking with strangers. That is why I believe that the bar is the perfect place for meeting new people.

I can’t exactly recommend you bars about the entire UK, but if you’re ever near Birmingham, The Vanguard, 1000 Trades, Fight Club Birmingham and Frizzenti are great options. And according to Kev’s Best, Frizzenti is the place for the best cocktails.

Language barrier

Source:argotrans.com

One of the biggest challenges anyone might face when moving to a country as a foreigner is the language barrier. Having trouble to fluently speak the official language of the country you have moved to, may prove as a serious problem. You may have trouble meeting people, finding a job, or traveling around the city. Although, since we are talking about the United Kingdom, we’re also talking about the English language.

These days, most people around the globe can speak English or they can at least understand the most basic words. But, the UK is not just England. There is also Scotland, Northern Ireland, and Wales too. The differences in accents between all of these four locations are huge. Sometimes it feels like all of them are speaking a completely different language.

Even when coming from a country that has English as an official language, for example, the USA, you still might have trouble understanding locals.

But, I wouldn’t worry about that too much. With enough experience, you will be able to understand most UK citizens. Most of the time, people from the UK will avoid using their dialect or accent to help foreigners keep up with them.

Driving on the opposite side of the street

Source:historic-uk.com

When coming from every other country in Europe or the USA, you should always remember that cars drive on the left side of the street. It is the opposite of what you’re used to and you should never forget that. When you’re in a vehicle, make sure you stay in the right lane, and when you are a pedestrian make sure you look in the right direction.

There are tons of other challenges that you have to deal with after moving to the UK, but with enough effort and time, you will be able to overcome anything.

European Steel Production: Timeline, History, and Important Milestones

Steel was invented about 4000 years ago with the rise of the Iron Age. It was thought that Iron was harder than Bronze and many other metals a reason why they chose to look for another alternative. This is the reason why steel started to suppress bronze in the tools and weaponry industry.
However, the quality of the steel produced would depend entirely on the availability of ore and the production methods at hand. Although this time, there were no advanced technologies in the iron production industry, the production was increasing with the invention of new methods of mining and understanding of the iron. Modern-day technologies allow steel to be refined and molded down to bars, tubes, and more, which you can view more on onlinemetalsdepot.com.
By the 17th Century, most people in Europe had understood the concepts of mining and iron. This increased after the first civilization. There was also a huge increase in demand for steel in Europe, which means they would toil to produce more of it.

Image source: ceramicindustry.com

Though, the most breakthrough in the steel industry was seen in the 19th century with the second civilization. This was in 1850 when Henry Bessemer designed another method of using oxygen to reduce the content of carbon in iron.
The Chinese were already using the blast furnaces as early as the 6th century. This was not widely used in Europe, but later the same was diffused to other countries. When this technology hit Europe, there was an increase in the production of cast iron.
Before the advancements that we say in the 1860s, steel was not a big deal because it was made in small quantities and was specifically used in making tools, swords, and cutlery.
By this time, England and Germany were the centers of production. It was centered around Middlesbrough and Sheffield. Britain was the largest producer supplying all the other markets, including Americans and the European markets.

The open health operations and the Bessemer were the things that contributed significantly to the production of steel. The Bessemer process means that the molten pig iron is converted into steel by simply blowing air through it after it comes from the furnace.
The air will help to burn the carbon and silicon out. This is actually what released the heat and made the temperatures increase. Henry Bessemer demonstrated this technology in 1856. A few years later, the process was successful, and many miners had already turned to it. That is the reason why this technology was being used by 1870 to make the ship plate.

As a matter of fact, the speed, weight, and quantity of railway traffic were limited by the strength of the wrought iron rails that were being used. You would expect that all these were expensive, but because of the Bessemer technology, they were competitive in the price.
The experience made people realize that the steel had more strength and was able to withstand the whole process a reason why it was used widely after this.

Open-Hearth Furnaces Technology

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By the 1890s, the Bessemer technology was being gradually replaced by the Open Hearth steelmaking. By the mid-20th century, this was no longer in use.
The Open Hearth furnace technology was introduced in the 1860s in France and Germany. This technology used pig iron, ore, and scrap to make the steel. This is why the whole process started being referred to as Siemens Martins’s process.
The good thing with this step is that it allowed closer monitoring of the composition of the steel. Additionally, a substantial quantity of scrap could be included in the charge.
This process was essentially the most used in the 20th century for making steel.

The Electric Arc Furnace

This was the technology that came to replace Open Hearth Steelmaking in the 1900s. The technology was preferred because many steel manufacturers believed that it was very efficient and made the whole process easy. The primary reason why this was adored is that the cost of electricity remained down.

Steel in Britain

Image source: uk.reuters.com

In the 19th century, Britain was the first country in Europe that contributed significantly to the industrial revolution. The country had an early commitment to coal mining, textile mining, railway, and machinery.
The main reasons why Britain was among the topmost influential steel producers is because of the demand, the ample capital, and eventually energetic entrepreneurs.
Britain accounted for about 47% of all the steel that was produced by 1875. A third of this pig iron came from the Middlesbrough area contributing to about 40% of the steel produced. Most of the steel produced by this time was being exported to the US. This is because the US was rapidly growing its railways and other infrastructures.
Two decades from this time, the British share had already dropped to 29% of pig iron. Very little of the steel was being exported to the US. What this means is that Britain lost it’s American Market, and other countries started to peak and get a share of that market. The US also was able to produce more of its own iron, which was at per the main producers.

Germany

Germany was also another country that also had major milestones in the steel industry. The Ruhr Valley acted as the main source of German iron and the steel industry. What this means is that this country was among the biggest contributors to the iron industry.
In 1850 the Ruhr had about 50 Ironworks with about 2,813 full-time employees. In the country, the first modern Furnace was built in the 1840s.
The rapid growth in steel demands was scaled by the creation of the German Empire. When World War 1 Hit in the 1880s, the demand for iron to make vehicles and many other things increased.
Other European countries, including France, Italy, and many other countries also contributed significantly. The market for steel in Europe has also increased significantly over the years, but China and India have already taken up the market. The steel market in this region is also promising because of the increase in technology and cheap labor.

15 Lesser Known Facts about History of Education in London

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Education in England has changed and developed a lot since the beginning. Right now, we are looking at one of the most promising educational hubs and the home of prestigious academic institutions like University College London and Imperial College London. However, the development of education has happened gradually throughout the years. In this article, you’ll learn about the history of education in London and the UK and the 15 lesser-known facts that brought the country where it is now.

1. 1870: The SLB Was the Only School Board

Back in 1870, the Elementary Education Act created the only school board in London. This board covered the jurisdiction area of the Metropolitan Board of Works. Right now, this area is known as inner London. The goal of the Board was to provide educational opportunities and places for poor children in the city. Soon after, it became the biggest provider of primary education in London.

2. 1871: School Attendance Became Mandatory

A year later, the school became mandatory for children aged five through thirteen. However, this wasn’t truly forced until almost a decade later, and it still was paid.

3. 1880: Attendance Was Made Compulsory

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Attendance became compulsory nine years later. The following year, education became free for students aged five through thirteen.

4. 1889: The LCC Replaced the Metropolitan Board of Works

In 1889, the London County Council, also known as the LCC, replaced the previous local government body in the area of inner London.

5. 1893: The TEB Was Established

In 1893, the new local government body established the Technical Education Board. The aim of this board was to help the provision of secondary and technical education in London. This is when the junior county scholarships were first introduced, allowing students to go to technical and secondary schools after they finish elementary education.

6. 1897: Conflict between the SLB and TEB

Img source: teachertoolkit.co.uk

The history of education in London continued with one significant change. In 1897, TEB allocated the grants of the Science and Art Department. It also fought with SLB over the higher-grade institutions.

7. 1901: The Board Couldn’t Fund Schools

As a result of the previous fact, the UK ruled out that funding the schools that are outside of the elementary remit is illegal. Soon after this, the history of education in England led to the SLB abolition.

8. 1904: The Education London Act

The Education London Act of 1903 made a huge change in the history of education in the UK. A year after it was signed, the LCC took over the responsibility for the educational provision from TEB and the SLB. It brought all elementary schools under a single administrative structure, carried out renovations and building that improved the school conditions, and introduced various welfare reforms. These reforms included medical centers, open-air schools, and free meals for the pupils.

9. 1918: Education Act

Img source: sjmc.gov.au

The LCC had to limit the educational developments during World War I. However, they still opened some central schools and raised the school leaving age to 14. It was later in 1934 that a law was passed to raise this number to 15. If you want to learn more about these grande changes, according to https://au.edubirdie.com/ you can read some of their history paper samples.

10. the 1920s: Focus on the Unemployment

Because of the bad economic conditions after the war, the LCC organized recreational and instructional centers for the unemployed young people aged sixteen to eighteen.

11. World War I: Most Schools Were Destroyed

During the war, almost half of the London school population had been evacuated. By its end, 290 schools in the area were damaged or fully destroyed.

12. 1944 Education Act

Img source: pexels.com

The Education Act of 1944 made education compulsory for students up to the age of 14, which created an official division between primary and secondary education.

13. 1960: Creation of the GLC

The end of the LCC came in 1960 when the Herbert Commission created a new body named the Greater London Council and made them responsible for the area called Greater London.

14. 1965: The ILEA Special Committee Creation

In 1965, the GLC created a special committee called the Inner London Education Authority. This committee followed the work of LCC and was responsible for the development of the educational system.

15. 1983: The GLC Was Abolished

In 1983, it was announced that the GLC will be abolished. However, since the boroughs in inner London could not handle the education provisions, it remained the elected body in the area.  It wasn’t until 1990 that ILEA was abolished and the provision for the education was handed to the local boroughs.

Final Thoughts

Right now, 94% of the London schools are judged to be outstanding or good. They leverage the power of technology, which gives them the highest percentage of outstanding educational systems in all of England’s regions.

The Laws on Surrogacy: US vs. UK

Because of the stark contrast in legislation between the two nations, intended parents are heading to the US for surrogacy in greater numbers than ever.

There are a few key differences between how surrogacies are conducted in the US and the UK. What may be even more important to note is that while the UK has a united national policy concerning surrogacy proceedings, laws regarding surrogacy in the US vary greatly from state to state. Help comes differently in both countries, from US Surrogacy agencies like ilaya, a surrogacy agency based in Europe but with protocols for families in the US or from surrogacy organizations like Surrogacy UK, that are a non-profit organization that believe only in Altruistic Surrogacy, tending to all wants and needs of what you might be looking for. In the interest of clarity, we highlight the laws from “surrogate friendly” states within the US in order to weigh them against the laws and conduct of the UK.

Cost

Img source: lifesitenews.com

Cost of procedure is a huge consideration for most intending parents. Few countries in the world provide health coverage for surrogate programs, so expenses are generally out-of-pocket. In the UK, couples can expect surrogacy programs to cost in the area of £25,000. This is largely due to the fact that surrogacy in the UK is ruled legal only when performed altruistically. Where the surrogate mother receives no direct compensation for her efforts or time. While there are “reasonable expenses” that may qualify for reimbursement, the laws that outline what these expenses are and how much a surrogate mother can be reimbursed for are vague and vary greatly between surrogacy agreements.  

In the US, couples can expect to pay in excess of £120,000 for a surrogacy. Not including travel costs and accommodation. However, despite these massive differences in the cost of programs, many UK parents find themselves embarking to the US for their surrogacy journey anyway. This is large because of the perks that money can buy when in this particular arrangement. In the US, additional “services” can easily be purchased as there are no caps on what a surrogacy can cost, or what a potential surrogate can demand in reparations. In one highly publicized case, Portuguese footballer Cristiano Ronaldo reportedly paid $10 million in order to keep the identity of his family’s surrogate birth mother a tightly guarded secret.

Qualifying Couples

In surrogate friendly states of the US, surrogacy programs and laws extend their services to just about anyone who needs to procure surrogacy. Married couples, including the LGBTQ+ communities, unmarried couples, single parents, and even individuals who require both egg and sperm donation (leaving no genetic tie between the intended parents and child).

Img source: nypost.com

While in contrast, the UK is not as lenient with their qualifying restrictions. Surrogacy in the UK is not open for single parents or couples who require both egg and sperm donations. Parents of homosexual households must petition for custodial rights through adoptive channels.

Legal Proceedings

In addition to qualifications of eligible partnerships, as well as a firm law against commercial surrogacy, the UK also requires intended parents to petition courts for custody of their child. The birth mother and her partner (if applicable) are named as the rightful parents on the UK birth certificate. In order to change this, the UK intended parents must navigate serval legal proceedings.

Also, surrogacy contracts that are created in the UK are not enforceable by law, where in contrast, in the US, the surrogacy agreement is seen as a legally binding document. Should the UK surrogate mother change her mind about giving the child to the intended parents follow birth, there is little legal recourse intended parents can take. In the US, all surrogacy agreements must be negotiated by licensed attorneys, to ensure that the contract fairly represents both the surrogate and the intended parents.

Surrogate Availability

Img source: theatlantic.com

Because of restrictions on commercial surrogacy, finding a surrogate has proved to be a somewhat difficult task for many UK intended parents. The US, offering and legally protecting, commercial surrogacy, allows prospective parents to choose from a large pool of possible surrogates. This can serve to significantly decrease wait times for the surrogacy process to begin.

In the UK, intended parents must either use a surrogacy organization, which must adhere to strict guidelines and be not for profit. Or, parents must attempt and find a surrogate on their own. Which can raise concerns about whether or not the woman in question is fit for surrogacy.

The US provides intended parents with surrogacy agencies that are generally fully involved throughout the entire process. Many of which will provide medical and legal counsel, as well as help with returning home and acting as a liaison between the surrogate and intended parents throughout the pregnancy. Some agencies will take their role a step further and help to arrange for travel and accommodation as well. It is possible to independently find a surrogate in the US, but it is not recommended due to the many legal ramifications of the process.

Is Your Business Brexit Ready?

As Brexit is now delayed until Halloween 2019, many businesses are becoming increasingly frustrated with the uncertainty surrounding it. While it’s certainly not ideal, why not turn the delay into an advantage?

You can take the additional time to ensure your business is Brexit ready, regardless of how it plays out. Below, we’ll look at how your business can best prepare in order to survive Brexit with minimal damage.

Preparing for changes in EU trade

One of the biggest concerns businesses have regarding Brexit, is the potential trade implications. As the UK will lose its free trade status with the EU, it’s likely going to cause significant delays and increased costs to imports and exports throughout Europe. So, if your business wants to prepare for this, there are a few things you can do.

Firstly, researching alternative trade options can help. Either searching for UK-Based suppliers or looking further afield internationally and developing new trade relationships is a good idea. However, if you’re set on remaining with your existing suppliers, stockpiling could be an alternative option.

Img source: briefingsforbrexit.com

Focus on your supply chain

It’s a good idea to talk to your supply chain to see what they’ll be doing to prepare for Brexit. If just one supplier fails to plan ahead, it could cause issues for the entire supply chain. This, in turn, will be devastating for your business as just one issue can lead to delayed orders which will significantly affect customer satisfaction. So, don’t wait until after Brexit to talk to your supply chain, do it now so you can adequately prepare.

Making sure you’re financially prepared

Whatever the Brexit outcome, there could be huge delays and complications both in trade and in your supply chain. Therefore, you need to make sure you’re financially prepared. You can check out loan providers such as Liberis for financial funding.

Img source: gpluseurope.com

If you can, you’ll want to start saving money you can use as an emergency fund when Brexit finally happens. That way, any delays and increased costs are unlikely to affect the business. Take a look at your list of clients too and how likely it is they’ll be affected by Brexit. If your clients struggle financially, you will too!

These are just some of the way’s businesses can start getting ready for Brexit. While the delay may be frustrating, it does give you the opportunity to spend more time preparing, potentially reducing the negative effects Brexit will have on your business.

 

How to quickly borrow money in the UK

If you ever ask yourself what fast cash loans are, here is the answer. Fast cash loans are a simple and quick way to borrow money and get funds directly on your bank account. This procedure can take up to one hour after which, you get access to your money.

What are most the important benefits of online fast loans

First of all, this method is really fast. We all find ourselves in a situation when money is necessary. That situation can be some unexpected expense. Let’s say it’s half of the month, and you have already spent all your salary. At that moment your car breaks down, or maybe some of your family members needs money for urgent medical treatment. This is the moment when you will consider borrowing money with quick cash loans.

Here are the benefits of using fast loans:

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  • You can borrow from £100 to £5.000
  • Loan repayment time is from 3 to 36 months
  • Funds come to your account within one hour
  • All credit histories are welcome
  • The whole procedure is 100% online

Things you should know when borrowing money via quick loans

Fast loans in the UK are really popular, so here are some things that you need to consider before taking money.

First of all, while this is a really fast and secure way to borrow money, you need to know that it’s not always good to take this method as your only option. Fast cash loans are used mostly in time of real and big necessity. What’s important for you is to know that if you for some reason fail in returning the money this will have a negative impact on your credit score.

Golden rules of fast cash loans

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We provided some tips which you need to read if you borrow or plan to borrow money with this method, so let’s begin.

1. Never apply for money that you don’t actually need

This rule is important because you do not want to mortgage for a tablet or some expensive holiday with your partner.

2. You need to understand what the cost is

When you read this rule it can sound really boring and straightforward but in most cases, this is something that people don’t take into consideration when they take money.

So, to prevent yourself from making the same mistake, double check your contract with the company for quick loans and scan it.

3. Never borrow more than you need

Borrow always as much as you need for some emergency or something really important to you, but only that amount of money as you need to pay for it.

So, why you should choose quick loans as your method for borrowing money? Well if you find yourself in an emergency situation and you need to get money really quickly, maybe your best option is to use this method. You won’t wait and it won’t take so much of your precious time.