Few Things To Consider A Banking Expert Witness

If you have ever looked for an expert witness in a banking case, you know how important it is to get the right expert. These experts can make or break your case! While many people out there may claim to be experts, not all of them are as they appear to be.

Few things to consider a banking expert witness

What should you look for in a banking expert witness? Here are a few things to consider.

Experience

You do not want a newbie as your expert witness. No matter how pleasant or knowledgeable he or she may seem, this kind of witness will not carry the same weight as one who has experience. Look for someone with several years or more of experience in dealing with attorneys and the banking industry.

Availability

When selecting an expert witness, it is important to have one who is available to help you on your case from the very get go. You need this person to be onboard as soon as possible rather than waiting until the last minute.

Knowledge

Obviously, the more broadly your expert witness knows the industry, the better. When selecting a banking-related expert witness, try to find someone with expertise in areas such as:

* Lender liability
* Bank fraud issues
* Standard operating procedures in the banking industry
* Matters related to foreclosure and mortgage restructuring
* How debt collection works
* Details regarding a pass loan
* What is involved in reconstructive documentation
* Enabling jury members to expand their understanding of bank procedures
* How reports and document reviews are provided
* How loan risk is assessed
* Litigation support

As you can see, there is a lot more involved in finding a good banking expert witness than simply choosing the first banker you meet. Take your time and select the right expert witness. Doing so may require an initial investment in time and research, but the results will more than pay for themselves in the long-term.…

Your Island Business: Perfecting the Legal Side of Your Company

You have a startup business on a Caribbean island. It’s your dream job to run a business and help the local community. Before your cash register starts to fill up, be aware of the legal side of business. You want every protection under the law so that there are no hiccups as you serve residents and tourists alike. Get to know the basics around business law, and your company will soar to the greatest of heights.

Legal Side of Your Company

Get it All in Writing

Whenever you start and run a business, every partnership must have a written contract put into play. Putting discussion items into writing holds everyone accountable. There’s no question about who is supposed to pay for a particular item or service. Discounts, sales numbers and other details are important to put into writing too. If anyone tries to counter your business’s protocols, hauling out the contract to verify the proper procedure is possible.

Trademarking the Company

A business’s name and products might be trademarked for marketing purposes. If you’re unsure about a particular title, perform a Haiti trademark search when you live and work in this country. In fact, most Caribbean islands have their own databases that are full of trademarked names. Find a name that works for your purposes, and pay for the trademark. If anyone tries to use this title, you have legal rights to stop this violation.

Retaining a Lawyer

Your business may be relatively laid-back, but legal issues can arise over time. Ideally, keep a lawyer on retainer as you go about your workweek. You have an instant contact when legal questions come into play. One phone call is all you need to clarify certain situations. There’s no lost time with research as a retained lawyer remains on call.

Always verify licenses and schooling when it comes to hiring a law professional. The person’s reputation is also a good indicator of their expertise. At the end of the day, you want legal counsel who can support you through any situation. The Caribbean should remain a calm and relaxing place with your legal rights protected by the professionals.…

Maintaining a Professional Air

When it comes to working in a legal profession, there’s a lot at stake. After all, you’re fighting the good fight, the fight for truth, justice, and the American way, a la Superman. It can really take its toll on you. However, there’s one element of working in a legal job that may surprise you with its level of importance, and that’s your appearance. Well, your appearance and your general demeanor. Maintaining a professional air is an important part of the job for several reasons, gaining the trust of clients, being taken seriously by the opposition and your peers, to name a few. Therefore, it’s of the utmost importance that you make sure to project an air of consummate professionalism on the job. Here are a few tips on how to do just that.

Maintaining a Professional Air

First and foremost, you’re going to need the right atmosphere in your office. Your office is an extension of yourself, so it needs to project a sense of gravitas and competence. There are a few key ways to accomplish this. For starters, keep your work space tidy. There’s nothing more disparaging to the image of a professional than a sloppy work space, after all, as it speaks to a disorganized method that implies a lack of skill. Then, there’s the style of your office. The decor of your office needs to be of a level of class that suggests sophistication, such as that you can find at a retailer like Nordstrom in order to achieve this effect. Try to leave kitschy baubles out of the equation, as tempting as they may be.

The other major element of your professional image is your suit. The “business” suit is a time honored staple of the professional wardrobe, as it projects that air of professionalism, as well as sophistication and wealth, so you’re going to need a good one in order to be taken seriously in your legal career. There aren’t so much rules as guidelines, as there is some wiggle room, so to speak, but the basics are to stick to neutral colors, for starters, and to use all vibrant colors, if any, only on accessories such as your shirt, socks, and tie.…

Getting Answers to the Legal Concerns on Your Mind

Most people outside of the legal profession do not pay attention to workers comp laws.  They may not believe that they will ever get hurt at work.  They also might assume that they can handle the situation on their own if they are injured and need to take action in court.

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It is only when you become involved in a workers comp case that you realize how complex the laws are.  You also realize at that point that you have no idea what the laws are or how they will be applied to your situation once you are in the courtroom.

You do not have to spend hours guessing on what might happen or trying to read up on the latest workers comp laws.  You could get the answers you need by contacting a local law firm, a court advocate or mediator, or a personal injury attorney in Iowa today.

Common Questions Answered Quickly

In your mind, the questions you have may be unique and troubling.  In fact, they may be relatively common and easily answered.

The lawyer you speak with may have heard these questions asked dozens of times and know what the answers are off the top of his head.  He also knows what the answers will be if or when the laws change.

It is an attorney’s job to stay on top of the latest legislation regarding the specialty in which he or she practices.  A workers comp attorney will have paid attention to the state and federal law changes and know how these changes will impact you as a client.

You are encouraged to start getting answers today by setting up a free initial consultation at the law office.  The initial meeting comes at no charge to you and gives you the chance to ask every question you can think of about your injury and accident and what the future might hold for you.

You are also invited to take notes to remember everything that is discussed in the consultation.  If you forget to take notes or need a few reminders about the answers you sought from the lawyer, you can always refer to the website.

The website has a list of frequently asked questions that people want answers for when they meet with the attorney.  The answers are provided for each one and available anytime to you online.

Once you have your answers, you can then decide if the matter is worth pursuing or if you would rather take a different avenue to deal with your accident and injury.  Your employer may be eager to settle out of court, for example.

Even if a settlement is offered to you, it may still be crucial that you consult an attorney.  Your attorney can make sure the settlement is fair and takes care of your present financial needs as well as those that you will encounter in the future.

It is normal to have a host of questions after you get hurt on the job.  You want to know what actions to take and what you should do to protect your job and your future.  You can get the answers you need when you consult a professional attorney who specializes in this area of law in your state.…

How to Get a Work Permit in Thailand

A non-Thai citizen may work and operate a business in Thailand as long as he has procured a work permit. It is illegal to work in the Land of Smiles without a work permit.  Without this legal requirement, an expatriate employee or employer could be arrested and be sent to jail even after paying a huge fine.  An expatriate with the intent of working in Thailand should be informed about the application process for obtaining and retaining a work permit in Thailand.

Work Permit Application

A working permit may be granted to an expatriate if his employer can provide the necessary documents for a work permit, and if his proposed occupation is allowable to foreigners.  However, any or most of the following conditions must also be satisfied.

  • The business establishment must have a registered capital of 2,000,000 Baht. If the applicant has a Thai spouse, capitalization may be 1,000,000 Baht only. The norm is to hire one expatriate for every 2,000,000 Baht capital, but up to 10 expatriates only.
  • The business establishment deals with export trade, with a 3,000,000 Baht foreign currency remittance. One expatriate could be hired for every 3,000,000 Baht, but up to 3 foreign employees only.
  • The business establishment should have paid at least 5,000,000 Baht to the Revenue Department in the course of three years. One expatriate is allowed for every 5,000,000 Baht.
  • The business establishment should have at least 50 Thai employees. An expatriate can be hired for every 50 Thai employees, but not more than 5.
  • Any expatriate with a computed personal income tax of at least 18,000 Baht, or has already paid such amount to the Revenue Department may apply for a work permit.

Non-Immigrant Visa Application

Before an expatriate can secure a work permit in Thailand, he needs to have a non-immigrant visa or in some cases, a resident visa. This initial visa must be obtained before going to Thailand.  Below are the requirements for obtaining a non-immigrant visa in one’s country.

  • The applicant must have been offered a legitimate job by a credible Thai company, or will start his own Thai company with himself as an employee.
  • The Thai company has requested a non-immigrant visa for the potential expatriate employee so that the company may apply for the applicant’s work permit.
  • The Thai company can vouch for the applicant’s moral character in terms of his being respectful to Thai culture, and following the laws of the country.

It is best to apply for a visa at least 30 days before he leaves for Thailand. It is the responsibility of the consulate to secure copies of financial statements and registration documents of the Thai company. If a potential expat employee or employer has already secured a non-immigrant visa, he may begin the process of applying for a work permit. The Ministry of Labor processes the work permit application, and if every requirement has been satisfied the process takes 7 business days.

Employee Requirements

  • Non-immigrant Visa
  • Photocopied and signed pages of the passport
  • Departure Card
  • Authenticated copy of educational degree
  • Authenticated Transcript of Records
  • Signed copy of the licenses of certificates of the applicant
  • Curriculum Vitae of the applicant
  • Required photos – 3 copies of 5 x6 cm full face photographs of applicant in business attire.
  • Original and authenticated photocopy of marriage certificate if the applicant is married to a Thai national, including Thai ID of a spouse, birth certificates of children, household registration.

The employer must also provide required work permit documents such as the Commercial Registration Department certificate of the company, certified list of shareholders, a license issued by the Factory Department and Ministry of Industry. VAT certificate and filing, Social Security payment filing and Witholding Tax.  Each document must be duly stamped, sealed, and duly signed by the managing director.  All government-issued certifications must be dated not more than 90 days of the application for the work permit.

If the work is in Bangkok, the foreign applicant should apply at the Ministry of Labor. If the potential job is not in Bangkok, application should be filed at the province’s city hall or the Department of Employment.

Exemptions on Work Permit

According to the Foreign Business Act, there are some occupations that do not necessitate a work permit.  First, any member of the consular missions or diplomatic corps, including their family and personal staff, is exempted from securing a work permit.  Officials of the United Nations and representative of member countries, including their family and personal staff are also exempted from securing work permit. Any individual working for the Thai Kingdom under an official agreement between the Thai government and the employee’s government or affiliated international organization may work in Thailand without a work permit. There are times when the Thai government gives special permission for individuals to work in Thailand.  Any individual working for the benefit of Thai education, sports, arts, and culture may be exempted from getting a work permit.

Regulations

Once an expatriate receives his work permit, he is expected to keep it in his office to carry it during office hours in case of government inspection.  The employee is expected to perform work according to the job specification in the work permit.  If he expects to continue to work in Thailand pass the work permit’s expiration date, it is best to apply for an extension. Lost or damaged work permits must be replaced 15 days from the date of disappearance or damage.  Changes in personal information must be reported to the Employment Service office.  If the employee resigns or is terminated prior to the expiration of his work permit, he must return the work permit within 7 days of his resignation or termination.  Related fines are applied in each case.…

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