All About Wills and Estate Planning

If you live the life of an expat, you can never really forget that you are on foreign soil. For expats in the UAE in particular, it is important to fortify your Legacy and in doing so protect close family, relatives and friends back home who may otherwise face an expensive legal battle to get what is rightfully theirs. At Holborn Assets our duty is to ensure that your legacy is legally and financially air tight. Areas to consider include:

Last Will and Testament

Your Last Will and Testament is the single most important document you will put your signature to in the latter years of your life. What you leave behind will dramatically change the lives of those who inherit. So you must, of course get it right, as leaving room for error or misinterpretation can lead to family issues. At Holborn Assets we are well placed to give you solid guidance.

Living Will

With old age comes the unwelcome spectre of illness and incapacitation. You can however be prepared for all of the possibilities by making a Living Will, where you can make your wishes known regarding medical treatment or refusal of certain procedures. Such a document greatly relieves the burden on family members in the event you are unable to speak for yourself.

Will Trusts

Married couples/civil partners often use Will Trusts to ensure that in the event of the death of one partner, the family home is passed on as the couple intended. Together with Will Trusts Holborn Assets can also guide and advise on exist legal mechanisms such as Lifetime Trusts and Discretionary Trusts.

Beneficiaries, Intestacy and Forced Heirship

Beneficiaries are the people who inherit. Intestacy describes the estate of a deceased person who, after any dues and fees, is not bankrupt. Forced Heirship is the law where the next of kin is entitled to half the estate before dues and fees are applied. These are complicated areas where some form of expert opinion is highly recommended.

Pet Trust

For animal lovers the existence of a Pet Trust is welcome and comforting news. As with a family member, full legal provision can be made for a pet in the event of its owner’s death, allowing you to decide where your pet will live and how his/her living expenses will be covered after your passing.

Off Grid Solar System Advantages

An off grid solar system implies that it is independent of the electricity supply from power lines. It is like having your own power grid where you can get electricity on demand. Most remote homes can benefit from this kind of power system for their power needs. On grip power systems, on the other hand, are tied to the main grid where it connects numerous homes to provide the solar energy.


Solar power is naturally extracted or generated from the sunlight. The solar panels play a huge role in ensuring that you make the best use of the hot weather. The panels are installed on the roof of the house where they trap as much sunlight as possible. They should be exposed to the sunlight so that they can generate enough energy from the sun.

An off grid solar power system works the same way as the on power grid system only that the latter is grid-tied. The off grid living makes everything simple and convenience for homeowners. They can remotely tap energy from sunlight without having to be dependent on the power lines. There is a lot of that can happen with the power lines which makes the off-grid system reliable and convenient. The whole of the power generation process up to when you receive electricity in your home is operated or run off grid. It eliminates the need to have power outages in case of hurricanes, storms, and bad weather among other naturally occurring calamities. The off grid solar power system comes with many benefits, among them, being:

Convenient in Case Of Blackouts

When an area is hit by a storm or hurricane, you can expect power blackout for homes and residents connected to the same grid. However, this does not happen with the off-grid solar system. It gives you the convenience to always have power for light in your home regardless of the condition out there. Blackouts are not experienced when you are living off the grid. As long as you have power in your battery bank, you can enjoy the free, uninterrupted power supply from the solar power system installed.

Cost Savings For Electric Bills

The initial cost is high, but as soon as you successfully install the off grid solar system in your home, no electric bills will come your way. It serves your home regarding electricity generation for free. Most homes where they are dependent on the traditional power grid, they will receive monthly power bills for the energy consumption of the household. The energy consumed will be billed per usage, and the price is bound to change depending on factors such as inflation, economic stability, and the electricity provider. Luckily, you can choose to consume solar energy for free with no electric bills.

Ease of Installation Of  The System

The process of installing the off grid solar system is simple and fast. For the traditional power generation, trenches, poles and power lines have to be installed to convey electricity into homes. It may turn out to be costly, time-consuming and difficult especially if you are living in remote areas. It is not the case for the off grid solar power system as it can be installed anywhere. It avoids the need to disturb the natural and artificial structures for power to be generated. All that is required is the components that make up the solar power system, and you are good to go.

It Can Serve Remote Areas

The traditional power grid will require the homes to be located near the poles and other infrastructure. However, the purpose of the off-grid system is to serve even in areas where the electricity poles or on-grid power systems cannot reach. Those people living in remote areas can now experience the freedom of solar electricity at their disposal. It provides the desired quality and flexibility of generating the solar power at your convenience and reduced cost. In fact, homeowners who use the off grid solar system will have huge savings regarding the electricity bills. Remote installation is easy as you will be living off-grid. You do not have to undergo the huge cost of installing electricity poles and power lines to reach you where you are.

The Solar Power Light Systems Can Be Installed Where You Need Light

You may need light in your back yard or packing space. The off grid solar system gives you that flexibility regarding where you need light. The light can be installed where it is required. There are no restrictions regarding the place or location the off grid power system can be installed. It gives you the ultimate freedom to light up your home and the surrounding home environment to suit your lighting needs. It is off grid, which means that you can take it where you liked. This feature allows you to light where you need it. When you compare with the on-grid power system, it limits on where you can install the solar power light system.

Strong Financial Services

Providing nothing less than reliable and strong financial services, Holborn Assets, led by CEOs Robert Parker and Simon Parker, specializes in a tremendous variety of expert financial planning and management services. Manned by a large team of UK advisors who make the process more effortless for the 80% UAE expat population, Holborn Assets offers the following expert services: fund management; financial planning; risk management; pension planning; mortgage financing; insurance planning; trust; and offshore banking services.

Holborn assets

Holding partnerships with Collins Stewart, Fairbairn Trust, Investec Bank, Old Mutual, Platinum Capital Management and Royal Skandia, Holborn Assets Limited is also one among a relatively small number of firms that can boast a customer service department in Dubai.

Aware of the heavy financial toll that expatriates typically experience in moving all their belongings and financial assets to a new destination, Holborn Assets Limited makes the challenging transition less burdensome for clients. The Holborn Assets team makes all the nuances of financial planning and management more painless, if not mitigated from losses, for the sake of the client’s future and that of their beneficiaries.

Holborn Assets Limited is manned by a huge team of highly skilled and experienced UK advisors who are all dedicated to upholding every client’s best interests. Working closely with the client, Holborn Assets advisors promote open communication at all times, aware that this is the only means to facilitate problem-free provision of financial services.

Regardless of a client’s current financial status in Dubai, Holborn Assets Limited advisors are ready to go above and beyond the call of duty, when necessary, if only to assure the client that succeeding in a new country of residence is still possible and can present limitless possibilities for growth.

Making the process more trouble-free for the 80% UAE expat population, Holborn Assets is committed to providing quality service and advice that will ensure that cash is always in the right place at the right time for the client.

Discover how to draw a mandala?

Are you needing to switch off for a bit and deal with your executive stress? We all tend to work too hard for too long but it is essential that we learn how to switch off and calm our minds.

An increasingly popular way to do this is to draw mandalas.

Ever had an urge to draw a mandala or just wanted to know how to draw a mandala. The thing is that they are fascinating. They have fascinated artists for hundreds of years.

It could be the mathematics or the shape or is it because they are complex or even their simplicity.

One thing is for sure, they will soon take your mind of work and business and let you relax for a bit. The other cool thing is that you can do them at your desk. Instead of taking a coffee break, take a mandala break.

Mandalas can be seen in many places. Be it mandala design or mandalas to colour in or one in architecture which you will learn in the next sections. What a mandala is is often a near impossible question to find a solution to. The easiest way to kick off is by talking about the etymology of the word and its original uses by people.

The term ‘Mandala’ is a Sanskrit word which basically means circle. If you look deeper into the true meaning a more detailed definition is ‘an integrated structure organized around a unifying centre’. This is a description more in tune with the mandala you are likely to see in mandala designs or that would fit what you would think of mandala tattoos meaning.

Some of the first appearances we know of Mandalas being made by humans is the Tibetan Buddhist mandala. The word they used for the Buddhist mandala is ‘kyil-khor’. The Buddhist art of creating a mandala was often used in preparation for meditation. The mandala art they used would represent the purpose of the meditation they needed. New points of focus within each topic of meditation lends itself to a new mandala so that the new mandala could be viewed in meditation as a way of sinking into that fresh inspiration. The Buddhist mandala was also present in the form of a sand mandala. The monks would take several weeks to produce a lovingly made mandala design in the sand and add colour. When the sand mandala was finished they would afterwards scatter the sand into the water to break up the piece of mandala art to acknowledge how life is does not last forever while also blessing the water and showing how the end can also be a beginning.

The next time you walk into a quiet office and the person doesn’t even hear you come in, it’s not because they are lost in work but because they are probably drawing a mandala. You too can enjoy this meditative experience. And when you do you will see your stress lower and your performance increase. You will be thinking clearer and have more patience to deal with work.

Are You Looking For A Job? Some Job Search Mistakes You Should Avoid

Unless of course you’re extremely wealthy or extremely bad, you unquestionably have handled work problems sooner or later inside your lifestyle. Getting a job raises numerous concerns, and sometimes workers are uncertain how you can deal with these problems. Consider be aware from the info within the subsequent post to resolve your work issues much more rapidly.

Job Search Mistakes You Should Avoid

Use social networking to construct and outline your on-line existence. Much more companies are beginning to aspect in candidates’ community profiles around the hottest websites, which consist of Fb and Twitter. Update your privateness options to make sure that any questionable pictures, updates aren’t noticeable to individuals beyond your community. Don’t forget to alter visibility options for pictures which have been posted by your pals.

The resume include letter ought to be distinctive to every job you make an application for. If they’re searching for management abilities, then you definitely ought to attempt to consist of particular situations in which you have exhibited management abilities. Usually appear for methods that you could distinguish your self from other candidates on the subject of the things they are trying to find within their ad.

Do not believe that you simply only ought to consider simple type of job, simply because you will find work available which have a couple of various titles. Perform some on-line study and determine out what other job titles are much like the 1 you want. This may permit you to make an application for much more work.

It’s a smart idea to have distinct job objectives in your mind before you begin making use of for just about any work. Numerous interviewers inquire in which you see your self later on, and it’ll cause you to appear great if you’re able to provide them with a strong solution with out any hesitation or deep believed.

With regards to speaking with possible companies, concentrate on maintaining your phrases vibrant, mild and well mannered. ‘Bright’ refers back to the high quality and freshness of one’s suggestions in contrast to these of other candidates. Polite’ is self-explanatory, but is often ignored in interpersonal communications. This consists of correct grammar, respectful title along with a nod to expert etiquette.

This May Be The Secret To Discovering The Answer To “What Job Should I Do?

Maybe you have thought about the question “what job should I do?” Anyone who has uncovered their ideal job asked themselves this question.

To experience achieving success and to take pleasure in your job you should be ready to first address the question “What job should I do?”

what job should I do

This pro job personality test will enable you to find what you’re looking for. It’s fast and will not take very long in the least. It was developed by PeopleMaps. They’ve been publishing online assessments for years and they are an example of one of the best anywhere. More than 1.5 million individuals have undertaken this questionnaire.

Employers make use of this same questionnaire for recruitment.You’ll find the questions a little tricky in the beginning. The end result can be really accurate.

Many more people might possibly be loving Monday mornings, if and when they figure out what they ought to be doing. It’s crazy to think that many people show up at the wrong work place daily. How can you expect success if you are in the wrong job?

Curiously recruiters also only want to see people happy in their job. Naturally all candidates would like to feel they are adopting the right occupation.

Everyone seems to be thinking about the wrong question. Most career coaches ask the wrong question. The best question you can ask is “What job can I do?”.

Naturally you have to look to the past to answer this question. The risk is that you repeat past mistakes and end up receiving more of the same.

Instead you’ll want to look into your personality. Pointless in looking to your past for answers. The answers are found inside you. That’s why the What Job Should I do Test is extremely helpful.

Martin Gibbons started CareerPsychometrics several years ago. For over fifteen years Martin Gibbons has been helping people improve their careers.

Rather than figuring it all out the expensive way, you can get expert advice. Being great at what you do, is rarely usually enough. I bet you have previously lost out to others, despite you being more capable of doing the work, simply because their job hunting skills were a lot better than yours.

Martin can help you become brilliant at job hunting. He will help you find what exactly it is you were born to accomplish. Additionally, you will discover how to get lots of selection interviews.

Most crucial of all you will learn how to convert interviews into job offers.

Imagine having all the job offers you want. Do you think your life would alter? Do you believe you would be much more confident if you knew for sure you could get another job whenever you wanted?

By far the most successful people in society love their work. Successful folks do work that they’re naturally good at. Are they really great at everything they do? Basically no. They only have to be accomplished at what matters.

Good job hunters do not trawl job boards and send out CVs to strangers. they prefer superior techniques to get job interviews.

Of course they understand the way to deal with the actual interview itself. Just about everyone sucks at selection interviews. The successful are really proficient at getting the result they want from every job interview they show up at.

Being good at what you do for a living it not sufficient. It’s not about how well qualified you happen to be. Even your previous work experience is unlikely to be what makes up the recruiter’s mind.

Your skill to land work depends upon having job hunting expertise. CareerPsychometrics will allow you to get good at this skill.

Simple Ideas For Selecting A Wedding Car

Are you looking for tips on buying a wedding car? If that is so, then you’ve arrived at the best place. The goal of this article is usually to make you into a master at looking for a wedding car. Searching folanarkshire wedding cars is mostly a stressful experience.

With a little information and dedication, the wedding car shopping experience can be devoid of worry. Use the tips that follow to make the wedding car buying experience the one which you prefer, having a bright new wedding car to show for it.

Picking out the ideal wedding car could take a while. You may have plenty of choices, as well as aspects to consider when you examine each one. You will need suitable information for a easier shopping experience.

Try to find your own wedding car online before you decide to ever visit a car dealership. Searching wedding cars online enables you to take a look at inventory from multiple car dealerships, and it makes you aware of details about online only pricing. This is a great solution to comparison shop and extremely make sure you are finding the best deal.

Now that you know more on the subject of wedding car buying, you can put the advice into practice. Don’t allow you to ultimately go shopping for a wedding car without first thinking about the advice you read. That knows, you could possibly just find the wedding car you’ve always wanted now. Just go get started wedding car purchasing!

Choosing A Reputable Internet Services Provider (ISP)

There are many ISP providers available that it’s tough to know which one is the greatest. After lots of doing research, though, I found that it’s actually not as hard as you may think. The top ISP provider isn’t one service it’s just one that suits you the very best. As a way to discover which engineered to be, there are certain ideas to find isp in my area by zip code and address using ISP finder.

Since not every them may give customers in each and every city and in every state the level of connection they want, you need to research on the web providers by location first. Exclude all providers that will be unable to create a connection at home and pick through the remaining ISPs from the list.

Regardless of quantity of activities you engage in online, you’ll need an allotted bandwidth that will help you to do every one of the activities you have to do. Bandwidth it’s essentially a step of the internet’s ability to support your online activities. The greater the internet bandwidth sent to you, greater files along with the more activities you’re able to do. The internet service provider that can provide the bandwidth allowance you need is the ideal choice for you.

If you have a look at an ISP provider to use, you should also take a look at what number of contact information they feature per account. Should they don’t offer enough for you, then that may not be the greatest ISP provider for you, but may for someone else. You don’t want your family reading the other emails or fighting more than a preferred address.

Should you be looking at different companies, search for their broadband bundles and choose the bundle that most closely fits your financial allowance and connectivity requirements. Are their rates inexpensive for the fibre broadband? Are their ADSL rates affordable enough for the monthly internet allowance and the volume of users with your household?

How Much Do Lawyers Earn Per Year?

Today we could try to find the answer of how much does a first year lawyer make? Law is obviously choosing its way into every element of our life. You may need the help of solicitors for therefore a number of. Solicitors hold positions of serious responsibility and also the expectations required of them are high.

There is quite a lot of earning possibilities being a lawyer or attorney, however it takes many years of practice and seasoning before you could really cash in on your degree. The amount of training the attorney has attained may also possess a say within the quantity of cash they may be provided by clientele who could require their providers. A fresh graduate attorney is certainly paid significantly less funds as in contrast to an lawyer that has attained a greater amount of schooling.

A tremendous part of high paying law firms make their salary by way of a bonus structure. Bonus deals are normally non existent in public field or court jobs while getting work done in corporate law jobs generally offer bonuses, but frequently not approximately the non-public companies will offer. It’s not uncommon in the well positioned private company for the bonus to equal 100% or much more than the actual salary.

In the event you offer basic legal solutions or are self employed like a attorney, your earnings drops to $93,000 a Yr. Your salary will drop even more in the event you perform for neighborhood or state government organizations. They often make about $67,000 a yr. Should you discover your self functioning to get a university or university, your earnings 5 many years from college drops to $60,000 a 12 months.

Great Advice And Guidance For Landing A Job

From a recent college graduate to a person who has been employed for 20 years, finding a job does not come easy nowadays. There are certain things you have to do to ensure you find and get a decent job. This article will teach you how to do just that.

With your cover call centre jobs in glasgow letter, you want to relate the advertisement to your specific qualifications. If they are seeking a dependable employee, point out that you had perfect attendance at your last job. Make yourself stand out in the cover letter by using details that are listed in the ad.

Before you go for your interview, do some research on the hiring company, about their line of business and their sales. Letting your interviewer know that you have done some research will show him your initiative in finding information and getting results. These are good characteristics of a dependable and resourceful employee that companies value.

You want to always show up early for your job. If you give yourself extra time to get to work, you’ll be prepared for little things that might otherwise make you late. Proving that you can show up to work on time every day will have a positive impact on your employment.

Being prepared is essential if you want to find a great job in this competitive job market. Your resume should detail all of your qualifications and should be up-to-date. It should also contain all your accomplishments, such as education and certifications. You should include both online and offline education and current reference information.

When negotiating salary, never sell yourself short. Prepare yourself for this step by conducting extensive research on the job title, regional salary and other details of benefits before you enter into negotiations. If you are unaware of your worth relative to other candidates and workers, your salary may not reflect your true worth — possible to the tune of thousands of dollars per year!

Offering great vacation benefits is a great way to recruit good employees. Most employers offer only one or two weeks of paid vacation. Perhaps increasing it to three weeks, or offering longer vacations for more time served will guarantee an upper hand in accessing better employees. The longer, the better.

The key to finding a job these days is persistence! Present yourself well and go for as many opportunities as possible. Sooner or later you will be recognized for the talented and capable individual you are and find yourself hearing those two little words, “you’re hired!” Use these tips to make it happen.