Friday, May 22, 2020

What If My Financial Situation Changes And I Am Unable For...

What if my financial situation changes and I am unable to make the payments? We understand that during your IVA, the income from your business could fluctuate. This in turn could affect your payments into the IVA as they are likely to be dependent on your business cash flow. If you find yourself unable to make your payments at any point during the term of the IVA, it’s really important that you contact us so we can help you. We have years of experience of assisting people in difficult situations and there may be a variety of solutions available in order to help you complete the term of your IVA successfully. If your financial circumstances change – for example due to a downturn in business, depending on the terms of your IVA, you may†¦show more content†¦At Payplan, in excess of 95% of all revised proposals are accepted by the creditors. If payments are not maintained, it is possible that your IVA will fail which means your creditors are free to chase you for their outstanding debts. How are IVA payments calculated? First you need to create a business budget for the next 12 months – we can help you with this. List your monthly takings from your business and then deduct all your business expenditure. Next, deduct the monthly Tax and National Insurance provision you make and the figure you are left with is your monthly income from the business. Next you need to create a personal budget. Write down your monthly business income (which is the final figure on your business budget) and any other income you receive such as benefits. Following this, write down all your personal expenditure. This will include allowances for things like mortgage or rent, Council Tax, Utility Bills, telephone, travel costs, housekeeping, clothes and toiletries. Once you have done this, deduct your expenditure from your income. This will be the amount you can afford to pay your IVA. It is very important that you ensure all your expenditure is listed in your Income and Expenditure, so you can live with your budget, and so your IVA is sustainable. How long will my IVA last? IVAs normally last for five years.

Thursday, May 7, 2020

To What Extent Is Scotland A Divided Society - 1200 Words

To what extent is Scotland a divided society? We tend to think of Scottish society, or any modern society, as maintaining a social structure in which we live. This social structure is made up of a shared democratic process and political construction as well as common experiences. From the aspect of social policy, this view of society means that we also share the same benefits and responsibilities of living in a welfare state. However, this structure, being so socially and often culturally rigid, can be said as being fundamentally flawed. Although, as a society, there are many factors that unite the Scottish population, there are also numerous aspects that divide us. We have many different histories, traditions and lifestyles all of which result in different needs. Due to these different needs there is increased recognition within social policy debates that we live in a divided society (Platt 2011). Many social divisions exist in Scotland ranging from class to gender and sexuality. The social divisions explored in this essay will be race and ethnicity. The 2011 Scottish census showed that ethnic minorities make up 7% of the population. Despite this, there are a lot of different ethnic minority groups in Scotland and many of these groups are subject to discrimination and can often be disadvantaged in most, if not all, areas of their life. The Race Relations Act 1976 made it unlawful for employers to deliberately refuse employment on the grounds of race. Despite thisShow MoreRelatedThe Poverty Of The United States1547 Words   |  7 PagesScotland today is a divided society in many different aspects. These vary from housing to education however the basis of all social divides today is poverty. In recent years many social policies have been introduced to tackle these inequalities however some of which have been much more effective than others. Poverty in Scotland is at a higher level than any other part of the UK, although falling it is clear that as one in five children still live in poverty today that it is a serious problem. ChildrenRead MoreSocial Class Divide As A Report By The Equality And Human Rights Commission1455 Words   |  6 PagesSocial divisions are one of, if not, the main political concerns within out society today. Policies have been implemented to try and overcome these social issues but as will be discussed and argued in this essay, it is clear that either current government legislation isn’t working, or not enough work is being done locally and in government to tackle the problem. This essay will discuss the social class divide as a report by the Equality and Human Rights Commission (2010) describes how people livingRead MoreEssay about Health Issues, Sociological Theories and Classism734 Words   |  3 Pagesperspective, individuals learn the rules of a group, as this theory highlights all me mbers of society has a role to play. Social class is not an issue with this theory although value and ethic’s consensus is essential for effective functioning within society. This theory concentrates on different parts of society to see how it works, for example, a church, family and government this perspective looks at these to see what contribution this play to the entire social system. Durkheim states that the socialRead MoreWhat impact did the Vikings have on North Britain1763 Words   |  8 PagesWhat impact did the Vikings have on North Britain? Shortly before the ninth century, North-west Europe was exposed to raids and attacks from the Scandinavians. They had discovered the wealth that could be obtained from the richer communities of Britain and Frankia, both in currency and natural resources (the latter being found especially in Ireland). As time went on, during the course of the ninth century, the leaders of the attacks on these countries grew more ambitious and soon there were differentRead MoreFeudalism and Land Essay7806 Words   |  32 PagesFeudalism was the key. Essentially this was led by the monarch who sub divided his land downwards to Lords and Barons in return for loyalty, security and wealth. This was then passed by the Lords and Barons down to Knights and onwards down to Serfs, Villeins and Peasants at the bottom of this pyramid. The peasants may be given land for themselves in return for labour, produce, rent etc. The people occupying the various levels of feudal society each had advantages, or rights and privileges, offset by disadvantagesRead MoreThe Causes And The Impact Of The Treaty Of Versailles1595 Words   |  7 Pagesthat it was Versailles Treaty’s impact on Germany, and its rising popularity of the National Socialist party and its leader Adolf Hitler, that led to its ultimate failure and provoked the start of the next world war. This begs the question, to what extent did the end of World War I. influenced the start of World War II. ? The German peace delegation in Versailles signed the Treaty of Versailles accepting a mass reduction of the German territory, military, substantial war reparations payments, andRead MoreModern Studies Voting Behaviour Essay1360 Words   |  6 Pagesinfluence of social class on voting behavior was strengthened through the influence of the family and the neighborhood. 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By using this example we can show how productivity works, because if all of those tasks will be given to one person only, the productivity will suffer thus it takes too much time to complete the program, unlike when it is divided into smaller tasks. The fruits of

Wednesday, May 6, 2020

Language Human Communication Free Essays

Of all human skills, language is one of the most valuable because it allows us to communicate with one another. Human communication is important to society, enabling business and interpersonal relationships, as well as teaching and learning. Language is also important because it allows people to create new words for a changing society, like â€Å"Internet,† according to Palomar College. We will write a custom essay sample on Language Human Communication or any similar topic only for you Order Now About Language 1. Languages are, essentially, systems of symbols that have meaning. Language is a means of human communication, whether it be expressed verbally, it writing or through sign language. All languages have a system of rules and meanings and can express an infinite number of ideas or meanings within that system. Human Language Development 2. Language is a part of human development, beginning its development in early childhood. Human language begins with what is called â€Å"babbling,† when infants make repetitive sounds like â€Å"mah mah† and â€Å"dah dah† that mark the beginning of speech development. Language is an important part of intellectual development and the development of communication skills. Communication, in turn, is vital to human language development. According to Palomar College, studies show that parents can help infants develop language skills by communicating with them often using and encouraging appropriate language rules. As the child’s language skills continue to develop, he may begin to use language, albeit incorrectly. Gently correcting the child’s speech can help her improve. If a child says, â€Å"I seen it,† for instance, correct by saying something like, â€Å"Yes, that’s good, you saw it. I saw it, too,† thus illustrating the appropriate form of the verb â€Å"to see. † Communication and Language 3. Even though language is standardized, the interpreted meaning of the words that being communicated is influenced by a variety of factors about the situation. The way something is phrased, the tone in which it is said and the volume all matter. These â€Å"hidden† parts of communication affect way the listener interprets the speaker, according to Palomar College. Other Parts of Language 4. The message delivered through language may also be mediated by nonverbal or non-linguistic factors like body language and gestures. According to Palomar College, linguists and other language experts refer to nonverbal elements of language like tone of voice, smiling, frowning, use of personal space and other unspoken means of communication as â€Å"paralanguage† elements. Paralanguage can be just as important to human communication as language itself. In-Person Communication 5. While words are powerful, the power of in-person communication cannot be overlooked. According to Palomar College, it is estimated by researchers that up to 70 percent of the meaning derived from in-person communication comes from paralinguistic expressions. This is because paralanguage communicates the emotional and personal aspects of human communication that can be unseen in written and impersonal forms of language use. How to cite Language Human Communication, Essays