Working From Home vs Working In An Office

I’ve been working from home for over three years now and the way I work sure has changed over the years. I was so used to working in a vibrant environment, having colleagues to share a laugh, a joke, a moan with – and to go from that to my own company was a big adjustment at first.

I love that I get peace and quiet at home (well, most of the time – these summer holidays sure are tough with a five year old and a seven month old!). But I do miss the all the hullaballoo that comes with working in a busy environment.

Furniture Work recently undertook an #OfficeJoys survey – they are a supplier of office chairs UK and they made a humourous video about working in an office compared to working from home.

Although I didn’t spend much time working in an office outside the home (my main area was retail), it does remind me just what it was like to work outside the home – the phone calls, the post it notes, the chat with the colleagues. I do feel that I am much more productive now working from home as I am completely in charge of my workload. If the project interests me, I take it on. If it doesn’t, then I don’t. Whereas working in an office I would have to complete all the menial tasks I was given.

The survey found that 66% of 1000 people surveyed would prefer to work from home – and I don’t blame them! Three quarters of people surveyed think that working in an office is more stressful than working from home but I am not sure I would agree – it is much more stressful having to control your own workload and make sure you are getting paid enough each month. 46% also said they would like to work from home because of the convenience of no commute.

Nearly one third said their biggest distraction when working from home was the television. I’m inclined to agree. When Jack is at school or Steve is at work, I don’t have it on when I am working but it has obviously been on more whilst Jack has been on summer holidays. It is very easy to get sucked into a TV programme when you are meant to be working! 22% said their children is the biggest distraction and I am also inclined to agree with that. Only so many times you can hear the word ‘Mummy!!!

I much prefer working from home but I cannot deny that I do miss having colleagues every now and again. I know I can turn to social media and chat to my blogging friends but sometimes you just need that face to face chat.

Do you prefer working from home or is an office more your thing?

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3 Ways that loss assessors can help you get the max payout from your insurance company

Loss Assessors are an entity that is hired by a policyholder to negotiate an insurance claim with an insurance company. Their main purpose is to ensure you that you will receive the best and correct settlement in case an accident happens. Loss Assessors has been known to assist policyholders from the start of the claim to the end for a small fee. Think of the loss assessors as the defenders when it comes to insurance companies. Some companies would refuse to settle your claim or give you the minimum pay out in each claim which can lead to bankruptcy on the policy holder’s end. If you are a small business owner then hiring a loss assessor can be very advantageous because they are the link between you and your insurer to make sure that your insurance claim will pay out when the time comes that you needed it most. They will act on your behalf to assess the damages of your property and business and ensure a correct amount of claim will be awarded to you and there will be no unjust expenses at your cost. If you are in the middle of negotiating an insurance claim then hiring a loss assessor will give you these small but very important benefits that will maximize your payout from your insurance company.

 

  1. They Provide the suitable amount of payout for your claim

Loss assessors will personally view the lost or damaged property and assess the damages for themselves. This is one advantage of hiring them. By assessing it by themselves, they will know the exact amount that you should claim. Most policy holders make the mistake of overestimating the compensation which gives the insurance company the right to refute their claims which will lead to a long process and they end up losing and not getting the just compensation. Some policyholders will just settle immediately to the given amount of the insurance company without knowing the real amount that they should receive. By hiring a loss assessor they have the means to give you the exact amount and will fight for you to achieve that amount. By researching similar cases of your insurance claim they can provide pieces of evidence to support your claim.

 

  1. It saves you time and effort

If you are a busy man, then hiring a loss assessor will be of great help. When you think about it, fighting for an insurance claim will take a lot of time and effort and even money. One thing about loss assessors is that they have the “no win, no fee basis” so they have to work hard to get your claim so that they will also be paid. It will elevate you from further stress which you will get once you face off with the insurance company’s’ loss adjuster. You won’t have to spend a lot of time and effort gathering the necessary documents and pieces of evidence to support your claim. By simply hiring a loss assessor, you will be relieved of stress from fighting for your rights on an insurance claim.

 

  1. They will help you in avoiding a battle against a loss adjuster

Loss adjusters are entities that are hired by an insurance company to come into agreement with a policyholder in the amount which the insurance company and the policyholder can both agree on. If you choose to represent yourself, you will be faced with an insurance expert with years of experience, knowledge, and success that works for the benefit of the insurance company. If you hire a loss assessor, then you will have a fighting chance against them. Loss assessors are as experienced and knowledgeable as the loss adjusters. They are what you call “sworn enemies”. Once you hire loss assessors they will defend and fight for your claims and will also free you from unwanted stress.

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PPI: The Scandal, Deadline and How to Make a PPI Claim

Payment protection insurance (PPI) is sold alongside credit cards, mortgages and loans. The insurance covers somebody if they are suddenly unable to pay for one of these products — for example, if they lose their job or become ill. In the right circumstances, PPI is an excellent product.

However, two decades ago, many banks realised that selling PPI was a great way to make a profit. The banks encouraged and, in some cases, pressured staff to sell PPI with products. In the worst cases, some customers didn’t even know they were sold PPI.

The PPI misselling scandal is one of the biggest of its kind the UK has ever seen. The insurance was sold to thousands of people in the UK and, since the scandal came to light, people have been claiming back their money. The banks have paid out billions of pounds for compensation, legal fees and fines, putting a tremendous strain on them over the past 10 years.

This, along with the issue of the Financial Ombudsman (FOS) suffering from a backlog of PPI complaints, has led to the Financial Conduct Authority (FCA) announcing a PPI claims deadline. All claims against mis-sold PPI must be made by 29th August 2019.

Why is There a PPI Deadline?

The ongoing and increasing strain on the Financial Ombudsman is a key part of the introduction of a PPI claims deadline. The FOS is receiving over 1,000 complaints a day and already has a huge backlog of PPI cases to handle. If you have to refer your case to the Ombudsman, it could take up to two years for the FOS to reach your case and attempt to resolve it.

The PPI deadline will gradually ease the pressure on the FOS, which has employed staff specifically to work on PPI claims. It will also ease pressure on the banks, which have put aside millions of pounds each year for the sole purpose of handling PPI claims and giving customers the money they are owed.

But, is the PPI deadline a good thing? Consumer’s association Which? argues that creating a deadline means the process for making a claim needs to be simpler and easier, suggesting being able to make a claim online should be introduced to streamline the process.

How to Make a PPI Claim Against Your Bank

Making a PPI claim against your bank is actually very simple once you are working in cooperation with the bank at fault. The issue is that not all of the banks are forthcoming with contacting customers. Some websites are far from customer-friendly and it may take a while to find the information that you need to make a claim.

For this reason, many customers choose to work with a reputable PPI claims company. PPI claims take a number of months and allowing a claims management company to make a claim on your behalf can save you time. The process will still take a number of months, but a claims management company will handle all communication, saving you the stress of negotiating alone with a bank. Always read the terms and conditions before working with a claims management company and look for a company that offers a low service fee and no win, no fee PPI claims.

Will the Deadline Affect my Claim?

The deadline is likely to cause an influx of people making PPI claims. When the deadline was discussed last year there was a rise in complaints. As long as you start the process now, though, you are unlikely to be affected by the deadline. The process usually takes up to four months, but it could take longer if more people are making claims.

Although August 2019 seems like a long way away, you should not put off making a PPI claim — or at least checking if you’re eligible to make a PPI claim — any longer. Put it at the top of your to-do list so you don’t get caught out miss out on receiving the money you deserve.

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