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Why you should make a will

July 21, 2014 by Guest Blogger

Why you should make a will{{}}Believe it or not, a will is extremely important. If you have not written one yet, here is why you should do so as soon as possible.

If you die without a writing a will you are considered to have died “intestate”. This means the law decides how your estate is passed on – even though it may not be what you wanted.

Intestacy rules

If you pass away before your spouse and children your personal possessions and all assets valued up to £250K goes to your surviving spouse or registered civil partner and everything else is split equally between your spouse and your children. However, your spouse’s half will belong to him/her under lifetime interest. This means your spouse cannot sell or spend the assets, but he/she can draw income from it. If your spouse dies, your children will receive the full benefit of the life interest.

If you pass away before your spouse, but you have no children, everything under £450K will go to your spouse and the remaining money will be shared amongst your parents and your spouse.

If you succeeded your spouse, but you have no children or parents your estate will go to you your spouse.

If you have no spouse or children your assets will go to your parents. If they are dead, your assets will go to any of your other living relatives. If none of these relatives can be found, all your wealth will go to the Crown.

If the above has convinced you to make a will, follow these pointers when drawing up your will. 

1 Decide who your assets are passed onto

Due to the intestacy rules outlined above, you won’t be able to decide who benefits from your will. If you have stepchildren or family friends that you would like to leave something behind for, draw up a will so that you can ensure this.

2 Prevent disputes among your family members

You can make certain instructions in your will so that no one in your family can dispute your will.

3 You can leave something behind to charities

If you frequently donate money to charities and would like to leave money behind to a charity of your choice, you can leave a note in your will stating this. Also, if you donate 10% or more of your estate, it reduces any Inheritance Tax to 36% instead of the usual 40%.

4 Avoid Inheritance Tax

Inheritance tax is payable on estates worth more than £325K. Only married couples or registered civil partners can avoid paying inheritance tax if their will gives everything to their spouse. The £325K that has not been used is then rolled over to be used if the surviving spouse were to die. If that spouse dies, they have the benefit of £650K being exempt from tax.

5 Be prepared in case your spouse dies at the same time as you

Life is filled with the unexpected, so if you and your spouse die at the same time, your family may have no idea what your wishes were, so they won’t be able to honour them. Therefore, having a will ensures that your wishes are written in black and white and that your loved ones benefit in the way you want them to.

6 Draw up a lasting power of attorney

A lasting power of attorney is a separate document and it is not mentioned within your will. Therefore, in addition to drawing up a will, consider having a lasting power of attorney prepared. This gives you the opportunity to appoint someone (called the “attorney”) who will manage your property and financial affairs, or your health and welfare if you lose mental capacity to make your own decisions. 

7 Appoint an administrator

The person you choose to handle your will and make sure that everything goes according to your plan is called the “executor”. Make sure you appoint someone who will be able to fulfill this role. You can have more than one person, if you like.

It’s not too late, or too early to write a will. The sooner you do it the better – and the more certain you will be that the ones you care about are looked after.

© Sable Group. The Sable Group manages financial, immigration and legal needs.

Further reading

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Who will hold the online criminals to account?

July 14, 2014 by Guest Blogger

LOnline criminals{{}}ast month, the UK government was trumpeting its role in disrupting the GOZeuS malware, which has affected over 15,000 UK computers.

Computer users were told this work gave them a two-week window to identify weaknesses in their own systems and purge infected machines of malware.

Overall, it’s believed GOZeuS — together with its accompanying malware Crytolocker — was responsible for emptying bank accounts of £60m, worldwide. Russian hacker, Evgeniy Bogachev, is thought to be the brains behind the operation.

The malware itself is unknowingly distributed via email attachments or links that appear to be genuine. The software then monitors the files on your computer and — if you sign into online banking — can even access your financial accounts.

Sometimes, the malware will lock your computer and ask for a ransom to release your data. It’s extortion on an enormous, international scale.

David Cook, specialist in cybercrime at Pannone Solicitors, warns that although these pieces of malware may be tricky for law enforcement to control, the law around implementing malware is very clear:

Sections 1 and 3 of the Computer Misuse Act 1990 criminalise unauthorised access to and modification of computer data.  There is also clearly a blackmail offence involved as well.“

The computer misuse offence carries a maximum sentence of ten years’ imprisonment and the maximum for the blackmail offence is a custodial sentence of fourteen years”.

However, Bogachev’s whereabouts is reportedly unknown, so will he — or anyone — ever be held accountable for these crimes?

Well, the government is pledging to invest more cash into taking down malware and pursuing cyber-criminals across the globe. But with more than 10 million pieces of malware out there, tracing and prosecuting everyone involved is quite a task.

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How to deal with grumpy employees

July 07, 2014 by Guest Blogger

How to deal with grumpy employees{{}}Many of us will have worked with a grumpy colleague or employee, people who are best avoided some or even most of the time. Some of us may even be those very people, of course. Having to share oxygen with grouchy, cantankerous, huffy, prickly, churlish, sniffy, waspish workplace Victor Meldrew types, who function as ‘drains’ rather than ‘radiators’, is energy-sapping. But the good news for employers is grumpy staff are more productive.

That’s according to a study carried out by the universities of Illinois and Pennsylvania, as published recently in the journal Social Psychology (and reported by Mail Online). Such employees (tagged ‘Haters’ by the researchers) usually become better at their jobs because they’re more focused on work and concentrate on fewer tasks, which enables them to hone their skills and be more productive.

More popular workplace ‘Likers’ (ie bonhomous types who radiate positivity) usually spread themselves more thinly, which makes them less productive, according to the research. They struggle to restrict their attention to one task, because they perceive “many interesting opportunities in their environment”. Consequently, they only develop skills to a certain level, albeit more widely.

Some employers might be perfectly willing to leave otherwise productive employees to their grumpiness, but what if a staff member’s simmering anger, moodiness and general attitude problem become intolerable? This could become a big problem for your business – especially if they come into contact with your customers.

Addressing the problem

As any seasoned people manager knows, you must address unacceptable staff behaviour as soon as it arises, otherwise it can send out the wrong message that it’s tolerated within your business. Employers are advised to take grumpy employees to one side for a private word. You should explain the effects your employee’s belligerent, curmudgeonly ways are having on their colleagues and/or other aspects of your business (in the worst cases, it can seriously damage team morale and sales).

According to the Acas guide Discipline and grievance at work: “Cases of minor misconduct or unsatisfactory performance are usually best dealt with informally. A quiet word is often all that is required to improve an employee’s conduct or performance.”

If the employee’s anger is work-related and valid, it should be addressed. If it’s related to a personal issue, you can offer support (although employees should know that personal matters should not be allowed to affect their work if possible). Having a written policy or code of conduct describing acceptable behaviour and attitude can be enormously helpful.

Formal action

A quiet word might be all that it takes to ensure that the employee mends their ways (or at least treats others in a more acceptable manner). They might even be grateful for being able to get something off their chest.

But as the Acas guide concedes: “There will be situations where matters are more serious or where an informal approach has been tried but is not working. If informal action does not bring about an improvement, employers should provide employees with a clear signal of their dissatisfaction, by taking formal action.”

  • Blog written by Start Up Donut editor and freelance content writer Mark Williams.

Further reading

How will the new Defamation Act protect online reputation?

June 23, 2014 by Guest Blogger

How will the new Defamation Act protect online reputation?{{}}As a business using social media, it is important to remember the following:

  • When you publish something on social media it tends to be permanent;
  • Although the communication may be intended for a particular audience, it can be disseminated, beyond your control, far more widely;
  • International law, including the European Convention on Human Rights (as incorporated into our law by the Human Rights Act 1998), recognises the right to freedom of expression;
  • However, the same laws recognise equally important rights such as privacy and reputation.

Protecting reputation is a primary concern for businesses. In this country, the predominant area of law used by individuals and organisations to protect their reputation is the law of defamation. This area of law was recently subject to new legislation and the Defamation Act 2013 came into force in January 2014.

Section 1(1) of the Act has introduced a new test of actual or likely serious harm. For claimants that trade for profit, section 1(2) says that harm to reputation is not serious unless it has caused, or is likely to cause, serious financial loss.

These serious harm and serious financial loss tests are designed to discourage trivial claims.

What does the new test mean for my business?

For a claimant to successfully sue a defendant for defamation, section 1 has added a new layer to the existing law. A claimant will be required to demonstrate that the words complained of:

  1. Caused, or are likely to cause, serious harm to the claimant’s reputation; and
  2. Tend to: (a) expose the claimant to hatred, contempt or ridicule, or; cause the claimant to be shunned and avoided by others; or (b) lower the claimant in the estimation of ordinary right-thinking people.

For businesses, the serious harm requirement is subject to section 1(2), which states: “harm…is not ‘serious harm’ unless it has caused or is likely to cause the body serious financial loss”.

This is likely to mean that businesses will need to specify in their particulars of claim: (i) that the statement has caused or is likely to cause serious financial loss; (ii) particulars of the loss incurred, and how this has been caused by the defamatory statement(s); and (iii) why the loss incurred is serious.

During consultation, the Ministry of Justice suggested that a statement is not defamatory unless it caused “substantial harm” to the claimant’s reputation. According to the Lord Chancellor, the serious harm test has been drafted to allow the court to consider all the relevant circumstances of the case.

The Act is as vague with regard to serious financial loss. In pre-Act Parliamentary debates, there was discussion about whether a fall in share price could demonstrate serious harm or if this could only cover a company’s profit, loss and sales, not variations in share value. At the moment, nobody knows. This will have to be interpreted by the courts in due course.

How is loss measured?

A business will need to establish causation by demonstrating that the defamatory statement caused, or is likely to cause, serious financial loss. Difficulty arises when a loss has been caused by several statements, of which only one is actually defamatory.

In order to establish causation, the claimant would have to prove that this statement caused, or is likely to cause, a serious financial loss. This is compounded by the difficulty of quantifying the loss. It may prove impossible for a company to separate what loss is linked to the defamatory statement and what is linked to other, legitimate damage to its reputation.

What price reputation?

Arguably a business’s reputation could be damaged without it suffering financial loss per se. Thus, a business could suffer serious reputational loss and vindicating its reputation could prove to be difficult, prolonged and expensive.

Satisfying the serious financial loss requirement in these circumstances may only be achieved by establishing a link between the statement and its consequences — an inability to recruit suitably talented employees, for instance. Evidentially this would be hugely challenging. Protracted claims of this type also give rise to another problem: the existence of the claim may expose the business to more negative publicity, resulting in further reputational damage. In other words, the claim itself could make the situation worse.

There is no doubt that the legislation will impact on the ability of businesses to vindicate their reputation effectively, whether it has been attacked through social media or by other means. However, because the Act has only just come into force, we’ll have to wait and see as to how the Act will be interpreted by the courts.

Peter Coe is a senior lecturer in Law at Buckinghamshire New University and a Barrister at East Anglian Chambers.

What if one of your employees was diagnosed with a serious illness?

June 18, 2014 by Guest Blogger

What if one of your employees was diagnosed with a serious illness?/Doctor talking with woman{{}}If one of your employees is diagnosed with a serious illness, you need to understand your legal responsibilities regarding the support you are legally obliged to provide, as well the employee’s legal obligations.

Technically, if an employee is diagnosed with a long-term illness such as cancer, they are defined in law as disabled, and once under the Disability Discrimination Act (DDA) employers must make changes to accommodate the employee’s needs at work. 

What serious illnesses are defined legally as disabilities?

If you have any kind of long-term, serious illness it could be defined as a disability in law. Impairments must be long-term and substantial to count as a disability and they can be physical or mental. They must affect you for 12 months and significantly impact your daily life (eg it may take you much longer to get dressed in the mornings than if you didn’t have the impairment).

Progressive conditions, such as motor neurone disease or muscular dystrophy, also count, although these are assessed case by case. You automatically meet the “disability” criteria if you are diagnosed with HIV, cancer or multiple sclerosis. Generally, it is the effect of your impairment on your daily life that is considered when disability is defined legally. An underlying condition is not assessed; its consequences are. Technically, a person who is terminally ill is also defined as disabled.

There are certain impairments that are medically defined as mental illnesses that aren’t defined as a disability (eg kleptomania, addiction and pyromania).

What does it mean if your employee is disabled?

If you’re employee meets the definition of disabled you must be aware of the Equality Act 2010, the most relevant aspects concern protecting your employee from any discrimination because of their disability. As an employer you must make “reasonable adjustments” to aid your employee in the workplace. This might be simple things like moving their desk or it could be allowing them to work from home for some time or allowing more time for doctor’s appointments, etc. You should show that you are doing your best to work with your employee and everything reasonable to enable them to continue to work.

The same obligations apply if your employee has a terminal illness. You might assume that an employee will want to stop working, but a lot of people want to continue working despite their illness to retain a sense of normality.

An employer must take into account a serious illness in every instance. You can’t reprimand an employee for taking too much time off for doctor’s appointments if they have cancer, for example. Also, you can’t give them an unfavourable appraisal because they haven’t met objectives as a result of their illness, without taking the illness into consideration.

What are “reasonable adjustments”?

There’s no fixed description, but adjustments are dependent on cost, how much they will help you, how practical it is to make them and whether the adjustment will affect the business, service or financial situation. Cancer support charity Macmillan lists examples of reasonable adjustments for employees with cancer (but these also apply to other illnesses):

  • allowing time off for medical appointments
  • changing job description to remove tasks that cause problems
  • allowing more flexible work hours
  • giving extra breaks if the employee feels very tired
  • letting employees do light duties for a temporary period
  • changing performance targets to take into account the effect of any sick leave or treatment side effects (eg fatigue)
  • moving the employee (by mutual agreement) to a role with more suitable duties
  • changing the place of work (eg a ground floor office if breathlessness makes it difficult for the employee to climb stairs)
  • ensuring access to place of work if mobility equipment (eg wheelchair or crutches) is used
  • making available computer equipment that might help (eg voice-activated software if the employee can’t type)
  • allowing employees to work from home
  • providing a disabled toilet
  • allowing employees to return to work gradually following a long period of time off.

What about pay?

You must pay statutory sick pay (SSP) to your employee if they have to have long periods of time off. You’ll only have to pay this for a maximum of 28 weeks. If your employee is off for a chunk of time you must leave their position open for them to return to. It is absolutely illegal to dismiss them.

Once the 28 weeks is up you do not have to pay SSP and your employee should move on to Employment and Support Allowance if they are still unable to work.

Blog provided by Simpson, Sissons & Brooke Solicitors.

Further reading

Using social login to protect your business from online defamation risks

June 09, 2014 by Guest Blogger

Using social login to protect your business from online defamation risks/Libel word{{}}How social login can help interactive media meet evolving online defamation legislation – and deliver personalised, high quality content for their users. Russell Loarridge, managing director Europe of Janrain, examines why establishing a sense of identity is key to building a strong, compliant online brand.

It’s hardly surprising that online libel litigation is becoming a growth industry. A steady surge in social and digital channels has created a rich platform for user-generated content, while exposing internet operators to the increased risk of publishing discriminatory or defamatory opinion. And in the most extreme cases, without the appropriate due diligence and processes to identify and eradicate defamatory comments, a libel lawsuit could be just an errant mouse click away. So how do you strengthen your operations to avoid it? It’s a question of identity.

The libel bible

Legislation to combat online defamation is evolving. But, although the internet is global, regulations vary from region to region. In the US, websites that host reviews generally are not liable for defamation under federal law, but may be culpable if a blog post is followed by the publication of a defamatory comment – even if the comment was not written by the blogger. Likewise, in Europe web operators face stiff penalties (including custodial sentences) if found in breach of defamation regulations.

In the UK, new libel laws came into force in January 2014 that aimed to give better protection to people expressing their opinions. The Defamation Act requires claimants to show that they have suffered ‘serious harm’ before suing. The legislation is good news for online businesses, making it harder for individuals to sue for defamation, but many hidden pitfalls remain.

The Act means that website operators no longer need to pre-moderate user comments – giving publishers 48 hours to remove potentially defamatory comments upon receipt of a written complaint. This ‘report and remove’ policy means that companies must establish clear processes to enable the efficient handling of complaints, but it also gives them the opportunity to manage the process in-house rather than incurring unnecessary legal fees to defend a claim.

Yet despite these positive developments, websites cannot afford to be complacent. With online publishers, and indeed consumer brands, increasingly using commenting platforms to build interactive user communities, the risk of defamatory comments slipping through the net increases. Publishers need to ensure that their systems are configured to identify, alert and manage problem posts, and to mitigate risk.

Sense of Identity

The answer is to focus on identifying and authenticating users. The Defamation Act introduces guidelines that allow alert website operators to clear themselves of responsibility for errant comments and instead pass that responsibility over to the person who posted the offensive remark(s).

But this places greater onus on site owners to be able to identify individual users. As a result, websites with messaging boards are increasingly being advised to register users before they are able to post. This makes good sense. Registration provides a platform to establish terms and conditions and inform users that their details may be divulged if they post defamatory comments – a key deterrent.


Fake ID: lie-ability and liability

Naturally, registration should comprise full contact details, including an authentic email address. But user IDs are relatively easy to fake. There are various methodologies to authenticate email accounts, but not all of them are infallible. A legitimate email address does not always guarantee a legitimate identity. This in itself can leave publishers exposed in the event of a defamation claim.

Hidden identity

There is also the potential threat of the ‘hidden identity’. Comments posted anonymously can leave online publishers vulnerable to untraceable defamation. While major brands such as Facebook and LinkedIn are increasingly taking the view that user identities should be visible and legitimate – and that authenticity drives high quality engagement – anonymity remains popular.

Time barrier

While user registration is acknowledged as a sensible approach to combating online defamation, some publishers are reluctant to introduce it as a mandatory requirement, believing it presents a barrier to engagement. So, how can publishers provide a low barrier for interaction, while creating a higher barrier for responsible commenting? Moreover, how can they establish user identity and authenticity without driving people away?

Social identity

The most effective solution is to maximise social registration technologies. Customer profile management, enabled by social login, allows users to register for websites using the online persona of their choice – Twitter, Facebook, Google+ or LinkedIn. For users, this simplifies the registration and subsequent login processes. For site owners, it strengthens accountability. Why? It’s much harder to fake a social media account, and to attempt to do so places a greater burden on any potential troll.

Social login solutions collect information in a way that satisfies legal requirements. They also lower registration effort to prevent abandonment. Furthermore, social login subsequently gives site operators keen to preserve consumers’ desire to comment anonymously two options: they can choose not to publish a user’s social identity alongside blog comments (but retain the information at the back end for their own knowledge); or they can force an element of the social profile – such as the Twitter handle or Facebook profile image – to be exposed. The latter can reduce a user’s likelihood of posting defamatory content, since they feel it is linked to their social identity.

Passport to personalisation

The use of social registration to mitigate risk of online defamation is just one example of how tying users to their true identities can benefit brands. User registration also presents a powerful marketing opportunity; data captured at registration can inform targeted content and bolster the commercial proposition to advertisers. Moreover, robust registration processes enable publishers to be transparent about why they want users’ personal information and how they plan to use it.

The long-term value lies not just in social login, but in customer profile management – the idea that a site should be managing a profile for their users that will help them personalise content, match them against more relevant advertisements, improve their experience and create richer engagements over time.

The most effective online brands will be those with the strongest sense of identity. As communications advance to create increased opportunities for online defamation, social login can help publishers develop the ‘Brawn Identity’. It’s the perfect weapon.

Further reading

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