Generic, boilerplate pleadings in legal cases can lead to costs sanctions

The Civil Liability and Courts Act 2004 demands that pleadings in personal injury cases be specific, not general.  Decisions form the High Court and Court of Appeal recently have put the spotlight on sections 12–14 of the Civil Liability and Courts Act 2004. Section 13 of this act provides, 13.—(1) All pleadings in a personal … Read more

The timing of your payments and outlays when buying property-the essential guide

Are you a first-time property buyer? If you are you may have some concerns and worries about the timing of the various payments you will need to make to buy your first piece of real estate. Let’s take a look, shall we? The first payment you will be expected to make will be a booking … Read more

Using DCF (discounted cash flow) method to value shares and companies

Warren Buffet believes the only way to value companies and their shares is by the DCF (Discounted Cash Flow) method. At its simplest he argues that the calculation of how much cash a share is going to return back to you over time is the way you should use to decide whether a share is … Read more

Buying a new house? HomeBond, Premier and structural defect insurance schemes

If you are buying a new house you should check if it is registered with a structural defect scheme such as HomeBond or Premier. Your lender, if you are borrowing to purchase, may make it a condition of the loan offer that the house is covered by such a scheme. Or the lender may accept … Read more