Paypal Money Generator 2014

Cultural & Social Variables

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Financial Elements

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Environment Elements

Following a 3 month very long scientific study, I am capable to conclude which PayPal Money Generator 2014 isn’t going to negatively impact the environment whatsoever. A new PayPal Money Generator 2014 would not manage to lead to waste materials and also could hardly always be present in jungles, jungles, waters, wetlands, oceanic masses, etc… In fact, PayPal Money Generator 2014 made a number of results upon the lovely small mother nature.

Politics Aspects

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Mortgage Finance And Second Chance Auto Financing

As you examine this article, remind that the rest of it contains is important information related to mortgage finance and in some way connected to auto financing for your reading benefit.

Handling your financial affairs well during these times is of uttermost seriousness.Folk are having a tough time surviving with the skyrocketing cost of products and the rising rates on home loans and car loans- the proven fact that plenty of corporations, and monetary giants at that, are either closing down or cutting down on manpower. Much doubt hangs in the air in the current industrial scene giving rise to the necessity for beneficial finance information not only for committed investors but all the way down to normal people trying to survive the daily grind.

What you may not know is that the subprime mortgages are mortgages whose interest rate is below Fed. prime level ( though this may be the case in some mortgages ) it usually means that mortgages were given to people who couldnt qualify under standard terms.

AT THIS JUNCTURE As can clearly be seen from this little information already given that this article is in some way or demeanour related to mortgage finance. Its not only related but may also be very useful when hunting for information regarding real estate financing, financing home, institute of finance and economics, in print.

Finance is the study of how individuals, companies, and associations obtain and utilise capital ( i.e. Money ). 2 basic elements of finance include the tradeoff between expected returns and risk and the importance of timing of future money flows.

Financial reform legislation, though way overdue, has the opportunity to send what has been a tough stock market recovery into bear market. While the COUPLE OF party system works to discuss new laws, all parties are ignoring a vital function of the derivatives market.

Many people looking for mortgage finance also searched online for boat financing, personal finance, and even list of international lease finance corporation customers.

In general, the goals of each of the above activities are achieved thru the utilization of acceptable monetary instruments and methodologies, with consideration to their prescribed setting.

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TAILPIECE In conclusion, mortgage finance quest should have been satisfied with this article. If not, you can easily get additional info by making a search on Google for mortgage finance or other chase auto finance, computer finance, statement to the house on terrorist financing, investing related info.IN CLOSING Im certain you have learnt one thing or another about this manuscript that should help in your search for mortgage finance or any other bad credit car financing, finance credit, how to become a millionaire,under secretary of the treasury for domestic finance.


Financial Content Development Services

When it comes to publicizing a business on the internet, content development acts as the key to success as content rich websites draw the attention of target audience. Commercial websites have different types of content depending on the products and services they have to offer. Financial content is one such type.
As a business owner, if you need any kind of financial content for your website, it would be advisable for you to take the help of an expert. Since:

He/she is well versed with financial terms; they will be able to avoid the use of jargon so that common people will also be able to understand what they view.
This expert will adopt certain financial content development techniques that will help your website with SEO and social media marketing as well.
Here are a few financial content development services that an expert can assist with:
Content for portals
It is found that many businesses utilize portals to communicate information to target audience. So, equity and sector research along with detailed information about a companys operations with relevant data and analyses will be provided by the expert.
The world of internet is awash with blogs. From a survey, it was found that 47.1% of bloggers were influenced after they read about a product or a service in a blog. This expert will research, analyze and formulate content. He/she will also update blogs on a regular basis with fresh content to ensure that visitors return to the site on a regular basis.
The experts create eBooks based on the research that they do. These eBooks usually contain new financial ideas, information, and analysis presented through interactive text and rich graphics.
They also publish newsletters with valuable financial information like recent financial news, updates from the money market, and events and analyses in order to reach the target audience.
The expert also provides research services on custom markets, investments, analytics, emerging markets, finance and businesses.
Analysis and valuation
They also provide an insight into a companys operations, based on information gathered from the companys website; like sales, valuation, mortgages and loans and trading movements.
Now that you are aware of the services that an expert can offer you, it would be easier for you to do a need analysis of your website. Once you have analyzed your needs you should get started on your search for an expert. You can also log on to the website of Pi Media Services that has a team of trained experts to help you with a number of financial content development services after analyzing your needs.


Tips for Choosing a Licence Money Lender Singapore

The licence money lender Singapore can offer the personal loan for those who doesn’t have any collateral, such as property of their own. Whether you are working or visiting in another country, you can get a quick fast cash foreigner loan from them. The goal of them is to offer a quick personal loan, payday loan and fast cash foreigner loan to every client. Generally speaking, the reliable lender should be approved by the Singapore government. The money lending companies can be discovered in Singapore. With so massive options in your mind, you may wonder which one can be suitable for your requirements.

You can find a licence money lender Singapore through business/consumer directories, their own website, or advertisements that are placed within the money lender’s shop or facilities. A low interest personal loan is welcomed by every person who need a loan. However, there are some things to keep in your mind when submitting your loan application form. It is not a smart way to take out a personal loan about 2 to 3 months prior to your decision of taking out a major loan to pay for your house. In addition, you should think about the debt servicing ratio or DSR.

The licence money lender Singapore is capable of providing you with the loan packages that come with a much cheaper interest rate. Some lenders may deliver you more flexible repayment options, less fees, and a better interest rate. You can choose to avail the services of a price comparison website that will list a number of different loan companies in Singapore side-by-side on one page. This will enable you to compare and contrast their rates of interest, repayment terms, and fees, saving you time and hassle. And they are capable of charging six different types of fees to borrowers.

You can benefit from turning to the licence money lender Singapore. There are many ways that the lender can give you a help. You are allowed to have instant access to cash. It is considered as a quick means to instant cash, as well as a way of getting approved. They are willing to help every individual in Singapore, such as the PRs and foreigner, who is in need of urgent cash. You should focus on comparing the interest, terms of the loan, and any other variable factors. They can help you and your family get out of a serious financial strain.

Resource from: money lenders


Loan Modification Process – A Waiting Game

Loan modification option is chosen by a homeowner only when he is overstressed by the non-repayment of his home loan and frustrated from the frequent reminder calls of his lender. This leads to a fear about the uncertain future and the threat of foreclosure. All these things work together and people apply for a loan modification process as the last and only hope. This in fact was the previous thinking but today with the efforts of the present government, mortgage modification process has been simplified and made feasible for every citizen of America.

Today loan modification can solve all issues regarding late payments of the home loan or the danger of foreclosure and restructure your loan into payments that you can easily afford and this will actually put you back to life. You need to stay positive and look into this loan modification matter in a different way because now this is your right and there is nothing like mercy sort of thing involved here. You need to hold your head up and keep the optimistic result in mind because the whole process will take some time and you will have to work patiently throughout the entire process.

Applying for a loan modification process is a systematic procedure and you need to find out the requirements of your lender first. This will help you plan further and collect the documents and arrange them according to the sequence of requirement. The documents should be supportive to the declarations and statements that you make while filling up the application form. You are also required to fill the form properly and in fact you should double-check it very carefully before submitting it so that not a single point is missing or left out. There have been many rejections only because the application form was not duly filled.

Then there is hardship letter that needs to be written in which you have to give in details of your hardship that can be your job loss, illness, divorce, being overstressed due to loan repayments or any other one. The hardship letter has a big role to play in the approval of the loan modification as many lenders have made it the decisive criteria for this program. So you should write an impressive and motivating hardship letter that has the capability to earn the lender’s sympathy and make him feel that you are the most eligible candidate for loan modification program.


Today, Smart People Make Money Online By Talking On The Phone

Do you like to talk on the phone? If you do here is a way that you can make money online by talking on the phone without actually selling anything to someone. How does that sound to you?

1. Use the internet to sort through tire kickers to come up with serious people looking for ways to make money online. Using a landing page that includes a sign-up form that asks for a person’s name, e-mail address, and phone number if they want to be contacted about making money online is an effective way to do this.

The vast majority of Internet marketers simply do not take the time to call people and answer their questions. You may be surprised as to how many people will take you up on this offer if you take the approach that you have an opportunity for them to make money online, and you just want to answer their questions,.

You will want to use a free Internet phone service such as Skype if you deal in products that allow you to recruit members worldwide. All you need is a microphone and speakers to talk to your prospects and It is free to join.

Anywhere in the world you can talk to people and you will hear them just as though you were sitting next to them in the room. If you were to promote this for just a few months, you would be surprised as to how busy your Internet business will become.

2. To conduct interviews with successful Internet marketers is another way to make money online by talking on the phone. Record these interviews give them away as free content on your blog. This will be unique content that no one else has because you are the only one doing the interview.

Recording several interviews, compiling them into a series and selling them online is a good strategy. By creating CDs and mailing them out in a package to people, you can charge even more.

3. Conducting online seminars is another way you can talk on the phone and make money. Invite only a certain number of people to be on the call with you and then bring in your featured guest. Give them a chance to sell their products, or if they have an affiliate program join under them and sell the products on your affiliate link.

This is three ideas on how you can make money online by talking on the phone. There are people who would not prefer to talk on the phone or use it to conduct business even though the Internet has become so popular.


The Urgency in Deploying Network Security Appliance for Small Business Networks

Information is business assets, like other valuable business assets, that must be protected against any threats. In medium to enterprise business networks, the management of the information security is a must. In small business networks, generally the organizations lack of competent security experts that should manage the information security. Therefore the choice of the deployment of small business network security appliance is a must for small organizations.

In large enterprise networks, they have many layers of security protections including the endpoint security, the management of information security and policies which must be enforced to all business unit groups. Unlike large scale business or enterprise networks, in small organizations – generally they do not develop the management of information security in place.

This is generally due to lack of IT security expertise which does not compare to the assets that must be rotected. Any layers of security that should be deployed, depends on how critical your information assets is. Therefore, they mainly focus in securing the endpoint security.

The entry point of the private network generally where all the internet threats are coming from, the intruders or the hackers as well as the malware will start to attack the vulnerabilities they found. Therefore, small business network security should concentrate in protecting the entry point by any types of secured firewall appliances. There are many security appliances available in the marketplace you can consider to use for your organization.

The following are some of the small business network security appliances you can consider to use for your small organizations. DSD-150 is designed for home or SOHO networks that use broadband internet connection.

DSD-150 Security appliance

D-Link DSD-150 internet security adapter is an all-in-one small business network security which is designed for home and small business networks. With this single device connected in the entry point of your broadband internet connection, you have a complete protection including network protection, firewall protection, virus protection, spyware protection, identity protection, pop-up blocker, SPAM blocker, and parental control – all in a palm-sized box.

DSD-150 is suitable for home and SOHO as small business network security which has 4 computers or more. installation and configuration is easy, DSD-150 has 2 Ethernet ports, WAN port must be connected to the modem (RJ-45 LAN port), and the LAN port must be connected to the wireless router.

CheckPoint Safe Office 500

CheckPoint Safe Office 500 is a small business network security a total internet security appliance for small to medium sized business networks. If your organization is lack of security personnel, dont worry trust the network security to this CheckPoint Safe Office 500 that can protect a network of up to 100 users from any types of network threats.


Adopting Mobile Cloud Accounting Technology Into The Financial Workplace

How technology has affected the financial department in organisations?
Theres no doubt that new cloud technology has had an incredible impact on todays workplaces, particularly those who work in, or are involved with the financial aspects of an organisation. Over the last few decades, new and different technology has been injected into the workplace at an ever increasing rate. One of these is the use of the mobile device.

Smart phones, netbooks, iPads and other such tablets detach us from our desks and give us the freedom to roam with our work. Imagine using a cloud-based accounting and finance system. This would allow you to review budgets or produce financial reports from the garden, a taxi, or even on holiday. Having access to your financial data and information, whenever is suitable for you and wherever you are, cant be a bad thing for business.

Managing the accounting and finance function on the go
Most businesses have adopted mobile technology in some way or another, as its hard to ignore the lure of the high mobility and other strengths that come with cloud computing, particularly for accounting and finance professions. Smart phones started this revolution, and they are now an important device for the hard working professional. But now, the tablet device has enhanced our mobile experience even more. Theres more mobility offered than we get with laptops, and the screen is bigger than you get with smart phones, making it all the more easier to view and analyse your financial budgets, reports, expenditure, etc

Tablets enhance user experience
How many times have you been in a finance or board meeting and someone has requested some information that you can only provide once youre back at your desk? Well, with a tablet or any mobile device its right at your fingertips. It can be discussed straightaway, a decision taken and communicated to the business without you leaving your meeting.

With easy access to email, calendar and contacts built in to most devices, the most simple business functions are now easy to get up and running in a few easy steps. Add on many of the freely available apps and you have a fully functioning business tool.

Where next?
All mobile devices are tools that should ultimately enable, not disable business. So if you find a cloud-based accounting and finance system that allows you to work on the go, and allow other people access to the information they need without needing your help, then the way organisations are run can change for the better.


Foddie Entrepreneur

Thinking of food all the time? So now make it your business!

Food joints are loved by all and have an ever rising demand if quality is not compromised. You may choose to start up with a couple of offerings like beverages and snacks and later on tread into being a bakery and concessionary shop.

Perhaps the easiest of all food joint-offerings is beverages. Scores of soft drink concentrates are available to choose from. From refreshing lemon to tangy orange these soft drink concentrates can be mixed with water or plain soda and served chilled. Invigorating roasted cumin concentrate is a delight in the scorching summers. Fruit flavored soft drinks garnished well not only quench the thirsty throat but also sooth the sore eyes. All you have to do is mix them up in the right quality and serve!

Instant fruit drink powder is a wonderful piece in your kitchen. Blend it with seasonal fruits or canned fruits, garnish it well and serve to quench the thirst of your clients. Canned fruit pulp is another option for beverage. Add the right amount of water or milk and you have a thick shake to serve. If the location of your food joint is blessed with plenty of seasonal fruits then serving fresh juices would prove to be more cost effective. Having the fruit juice extraction machine in an open space where the clients can see their glass being filled will be admired by them. This will demonstrate them of your hygiene standards and quality.

Flavored milk shakes are another popular offering at food joints. Chocolate and strawberry are the most common ones. You can try lots of new flavors by adding flavoring agents. Throw in some crushed nuts, fruit pieces or chocolate chunks to make new milk shake flavor each month.

Beverages are best served with crunchy wafers or biscuits. Bake them in-house or order them from a supplier simply make sure they are fresh. A platter of assorted biscuits coupled with a tasteful strawberry shake is the choice over a long conversation.

Jelly can be another interesting offering at your food joint. Just buy some jelly crystals and make jelly of distinctive shapes. Children will surely be fond of these jellies. Also jelly pieces can be mixed with milk shake for a fruity flavor.

You can find suitable vendors for all your requirements at the B2B portals over the internet. Choose your vender wisely and watch your business grow.



California Pair Allegedly Conned Elderly Woman in a Financial Elder Abuse Case

A California duo allegedly committed financial elder abuse by swindling an elderly mentally ill woman out of thousands of dollars. The defendants are a couple who reside in Riverside County. They allegedly befriended the elderly mentally ill woman and talked her into giving them money and goods. California elder abuse attorneys remind senior citizens that strangers who suddenly take an interest in your finances are not to be trusted.

The defendants in this case were arrested at their Lake Elsinore home. At the home, Ontario police found large quantities of furniture. The furniture was allegedly purchased with the senior citizens credit cards. Detectives claim that the couple convinced the senior citizen victim to open several credit card accounts, which were used to purchase the furniture. The furniture purchases added up to more than $36,000 dollars. California elder abuse attorneys say that families should keep an eye on senior family members to make sure they are not being conned.

In this case, the defendants allegedly also persuaded the senior citizen victim to withdraw $10,000 from her bank account. The elderly victim gave the money to the defendants and one of them allegedly spent the money at a Los Angeles area casino. The defendants were booked on suspicion of burglary, grand theft, financial elder abuse, and other felonies. Police are concerned that the defendants may have defrauded other elderly victims. California elder abuse attorneys say that financial elder abuse is on the rise nationwide.

Evans Law Firm, Inc. handles elder abuse, financial elder abuse, physical elder abuse, annuity fraud, consumer fraud class actions, insurance and banking fraud cases. If you think that you have witnessed or are the victim of elder abuse, or financial fraud then contact Evans Law Firm, Inc. at 415-441-8669 for a free and confidential consultation, or email us at


India’s Strong Gold Investment

We all know that the glitter of gold can be too hard to resists sometimes. This is why investing in gold has become one of the most profitable transactions that you can make these days. When it comes to choosing the right gold products you surely have where to pick from: 1 kilo gold bar, gold coins, gold bullion, one ounce gold bars, gold funds and so on. The variety of gold investments is daunting, therefore making a choice can become a rather difficult task.

Gold is and has been the preferred investment for Indians especially because the potential price increase and because it is considered a hedge against inflation. Studies show that when the inflation rises with 10 percent, for example, then the process for gold will rise for 30%.

Throughout generations, gold has been one of the most trusted investment vehicles. Taking into consideration that the gold production on a worldwide scale is far below than the demand, gold prices are likely to go up in the months to come. Gold has proved itself to be the only medium of exchange that is absolutely free of credit risk. This is why the trend among investors is to invest at least part of their savings in the precious metal.

Buying gold however, can take numerous forms. One of the most popular ways of investing in gold in India is definitely jewellery. For Indians, owning gold jewellery is a sign of wealth and it gives them the advantage of owning physical gold and also being able to use it for fashion purposes at the same time. Of course, there is a downside to this also: the loss of value due to impurities, the high charges and exchange rates when and if they decide to sell them.

Another gold investment product, which has become quite popular is represented by the gold bar. This is the oldest form of gold preservation and the advantage of this product is that it can be found in various sizes: one ounce gold bar, 1 kilo gold bar, 20 grams gold bar and so on. This gold product offers the satisfaction of holding gold and knowing that you can buy or sell it online at any time. When you own physical gold bars then you need to deposit it in a vault and take out insurance in order to protect your investment.

India, as well as other important economic powers of the world, such as China, have started to invest heavily in gold. Therefore, when you want to make sure that you protect your investments then you have to start doing the same thing.


VoIP 5 Tips to Improve a Small Business

Voice over Internet Protocol (VoIP) is a method of electronic communication that is rapidly increasing in popularity. Used to make phone calls, VoIP technology uses a computer’s internet connection, rather than a cellular wireless or traditional wired telephone line. This technology is used not only by personal consumers, but also by businesses small and large. Here are 5 tips for using VoIP to improve a small business:

1. Use One Company for Internet and Phone – Any modern small business has a website and is likely already paying an internet service provider (ISP) for access to the internet. Rather than negotiating prices and dealing with customer service for two services, a company can save time, effort, and money by using their internet connection as their phone service provider as well.

2. Save Money on Long-Distance and International Calls – Unlike traditional telephone companies, VoIP services work regardless of the distance of the call, so pricing is not dependent on the number of local, long-distance, or international calls. This means that international calls, which can be especially expensive, can be handled without incurring additional costs. For small businesses that do business internationally or have business partners overseas, this can mean an enormous cost savings.

3. Better Voice Quality – Because of the nature of the medium and the wires that transmit the signals, VoIP services can provide cleaner, better-sounding phone calls than traditional phone companies. While it might not seem like a big change, having crisper more professional phone calls can be the edge a small business needs to win over customers or seal a big deal. Dropped calls or poor-quality calls, on the other hand, can devastate a company’s business.

4. Simplify Things for the Technical Staff – For small businesses, the internal technical staff is usually stretched thin at all times, and should be outsourced when possible. Keeping a business up and running smoothly 24/7 is no small task. Consolidating one’s internet and phone systems can provide a significant advantage, in terms of time and sheer number of technologies to monitor, to a company’s technical support and services team. For small businesses that don’t even have a dedicated technical staff, having a single number to call for technical support, rather than multiple numbers, can simplify things considerably. Prompt service and skilled technicians are key.

5. Additional Features Included At No Extra Cost – For starters, useful calling features like conference calls, call forwarding, and caller ID are all included for free. Additional features like video calls and video conferencing are also easy to add to VoIP services.


Famous Scottish Entrepreneurs

Invention and entrepreneurship are concepts that are synonymous with Scotland. Scotland has a long standing tradition of producing world renowned inventors and entrepreneurs. The invention of the steam engine, television and penicillin can all be attributed to Scottish inventors and in this article I would like to highlight some of the most famous Scottish entrepreneurs of recent years.

Arnold Clark

Sir Arnold Clark grew up in Glasgow and joined the RAF in 1944, aged 17. He rose quickly through the ranks eventually becoming a Corporal and a Motor Mechanics Instructor. Upon leaving the RAF, Clark began buying and selling cars, and opened his first showroom in 1954 in Glasgows Park Road. Arnold Clark Automobiles is now the largest car dealership in Scotland, with over 145 car dealerships throughout the UK.

Michelle Mone

Michelle Mone OBE is the co-owner of MJM International and creator of Ultimo. She grew up in Glasgow and began her corporate career with Labatt Brewers. She rose quickly through the company and was running the Sales and Marketing department by the time she was 20. In 1996, came up with the idea to create Ultimo after wearing an uncomfortable bra to a dinner dance. Today Ultimo is one of the UKs leading designer lingerie brands.

Sir David Murray

Sir David Murray was born in Ayr in 1954 and educated at Ayr Academy, Fettes College and Broughton high School. By the age of 23 Murray had set up the metal company, Murray International Metals Limited. The Murray Group has expanded to include a wide range of industries including property, call centres, venture capital and mining.

Sir Brian Souter

Sir Brian Souter is another famous Scottish entrepreneur. Sir Brian Souter started his working life as student bus conductor while studying at University. Upon finishing University, Sir Brian Souter began working with Arthur Andersen, a leading chartered accountancy firm. In 1980, using his fathers redundancy money, Sir Brian Souter established Stagecoach Group with his sister. Thirty years later Stagecoach is one the largest transport companies in the world with 13,000 buses, coaches, trains and trams, employing over 30,000 employees worldwide. Sir Brian Souter also founded Souter Investments and the Souter Charitable Trust.


Save Money with Small Business Management Software

Small businesses owners often find that there are certain times of the year when cash flow is not as healthy as it could be. This could be due to the fact that the business has seasonal customers, money being spent wastefully or through outmoded business practices. Regardless of the reason as to why money is being lost one thing is for certain good business owners and managers are all looking for a way to save the business money.

One way to save money in a small business is to implement small business management software. Software such as this enables a business with less than 50 employees to be operated via one software application. By being able to switch to one application a small business owner can save thousands every year as all other applications that require a monthly or annual fee to be discontinued.

As soon as they see just what small business management software can do many business owners and managers are keen to start using it. Not only can small business management software save a business money in terms of slashing the number of applications a business has to pay for it also saves money in other ways such as:

Increasing the number of leads that are converted into sales with ease. When using small business management software an employee can create a quote and save this to a customers file. This will contain their contact details and other relevant information. If this quote is not accepted within a certain period of time, this lead can then be chased up by the sales department.

By ensuring that projects are always completed on time a business will not lose customers. With small business management software projects can be assigned and tracked in real time. Managers and owners can quickly and easily check on projects that are nearing their due date in order to ensure that they are progressing as they should be. By utilizing this feature projects should never be behind schedule ever again, which means that money will be saved in the long run through customer retention.

Small business management software also allows employee calendars to be seen by owners and managers at a glance. This means that projects and so on can be planned with regard to staffing numbers. Money is therefore saved by ensuring that all employees are working to capacity and not being diverted to projects which are already fully subscribed.

As small business management software is web based it means that it can be accessed from anywhere in the world that has an internet connection. So if a manager or owner is away from the office on business they can access the application and get any information that they need. This saves business money as laptops and mobile internet is not required when an owner or manager visits potential customers.

These are just a few of the ways in which small business management software can save a business money each month.


What Is The Role Of A Trade Union

Most people have heard of trade unions, especially when they appear in the news in connection with teachers’ strikes and such matters, but quite often people do not fully understand the purpose of a trade union, who they represent, and the possible benefits of belonging to a trade union. Do you have to join a trade union? Will you be penalised by your employer if you do? How can a trade union help you? This article seeks to address some of these questions and takes a brief look into the overall role of trade unions.

A trade union is a membership organisation that seeks to help and protect its members in the working environment. Although trade union representatives try to establish and maintain good working relationships with employers – and indeed between their members and those members’ employers – most trade unions are independent of any specific employer.

A trade union will seek to help its members in a whole manner of situations. They may negotiate favourable pay and working conditions for their members and discuss and advice on any big changes taking place in the working environment (such as mass redundancy). They will also talk over with their members any concerns they may have about their working environment and help them to find a solution, accompany them in disciplinary matters and at employment tribunals and provide them with legal and financial advice where needed.

Trade unions may also provide protection and representation for their members outside of the workplace. For example, they may try and place pressure on the government or public bodies to make changes which will benefit their members or may seek to promote their members’ rights and objectives in other ways.

By law, an employer cannot penalise an employee for deciding to join a trade union, deciding not to join a trade union, or deciding to leave a union of which they were previously a member. The decision is entirely up to the employee and they must not be made to feel any pressure about their decision by their employer.

In conclusion, many workers join a trade union because they believe they will be able to negotiate better pay and terms and conditions, they will have access to training for new skills, they feel confident that they will have somebody to turn to – who has their best interests in mind – who will be able to help them with any problems at work. They are also attracted by the prospect of lifelong legal and financial advice that will be made available to them. If you are interested in a joining a trade union you should look for information in your work handbook or contact the TUC for details of your local union.

Copyright (c) 2011 Robert Gray