HR and Payroll Software #opera #3,opera #ii,opera,gold,capital,unity,accounting #software,accounts #software,business #software,accounting,accounts,business,pegasus,uk,ireland,small #businesses,finance,financial,modular,integrated,32bit,32-bit,sme,smes,payroll,human #resources,hr,personnel,general,nominal,management #reports,cashbook,bank #reconciliation,banking,sales,debtors,purchase,inventory,traceability,stock,order #processing,invoicing,purchasing,sop,pop,ecvat,job #costing,costing,fixed #assets,bom,bills #of #material,work #in #progress,edi,crm,vat,bacs,electronic #payments,credit #control,manufacturing,mrp,engineering,distribution,epos,retail,wholesale,multi-currency,multicurrency,multi #currency,emu,euro,single #currency,xml,web #trading,ecommerce,web #reporting,internet,extranet,intranet,paye,ir31,p14/60,p35,inland #revenue #tax #credits,national #insurance,ssp,smp,student #loans,basda,custom #& #excise,windows,nt,resellers,dealers,partners,opera #ii #small #business,opera #ii #enterprise,excel #reporting,integration,excel #accounting #software,reporting,business #intelligence,olap,cube #analysis,performance #management,drill #down,management #accounts


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Opera 3 Payroll & HR

  • Multi-user, with Company and Group password control and menu level access restriction
  • Full integration with Opera 3 Document Management
  • Links to the Nominal Ledger, Cashbook and Costing Financial modules of Opera 3
  • Definable cheque and payslip designs to suit Company stationery requirements
  • Create unlimited Companies with unlimited employees per Company
  • Weekly, fortnightly, four weekly and monthly paid employees can be maintained all in one company
  • Employee profiles for efficient employee record creation
  • Employee payment details and payslip images can be retained for up to 999 pay periods
  • Payslips from past periods can be reprinted at any time
  • Employees can be paid via BACS, reducing the time and costs required to process payments
  • Submit Year-End Returns via the Government Gateway using the Pegasus Online Filing Manager
  • In-Year P45(1), P45(3) and P46 file generation for online submission using the Online Filing Manager
  • Filtered Historical employee record processing to current legislative bandwidths
  • Automated Director’s National Insurance calculations
  • Multiple Pension Scheme management
  • Track report on key field changes for the Payroll year using the Audit Log
  • Backup and Restore facility
  • Fully automated SSP, SMP and SPP (Birth) processing and reporting, with complex legislation built in
  • Automated Attachment Orders processing and reporting
  • Retrospective NI code changes with automatic adjustment value calculation and processing
  • Caters for Holiday pay across year-end

Employee Records

  • Address, bank details and holidays
  • Tax and National Insurance To-Date details
  • Payments and deductions – permanent and temporary values, retained units and rates, zero this period facility
  • Quick calculation – showing net pay, total deductions and NI’able earnings
  • Retained History with payslip image drill down
  • Employee photograph attachment
  • Ability to embed documents, spreadsheets etc, via OLE technology

Reports

  • Departmental reporting
  • Payslip, cheque and BACS list generation
  • P35, P14 and P60 End-of-Year reports
  • P45(1), P45(3) and P46 In-Year reports
  • P11 Deductions Working Sheet
  • P32 employer’s Payment Record, with payment and funding recording and multi-company consolidation
  • This Period and To Date summaries
  • Comprehensive statutory payments, Attachment Orders and pension contribution reports
  • Additional Reporter module available, for the creation of your own reports

Pensions

  • Mixed Pension schemes per company
  • Stakeholder Pensions
  • Fixed amount
  • Percentage of definable figure
  • Group Personal Pension
  • COMP
  • COSR
  • Freestanding AVC
  • Up to three different LEL/UEL criteria
  • Employee diary showing sickness, holidays, maternity and compassionate leave, and training
  • Variable employee working patterns reflected within the diary
  • Accurate days, hours and minutes event recording and analysis
  • Keep records for up to 99 years, including job changes and salary updates
  • Pro-rata holiday entitlement and holiday carry-over

Help

  • Comprehensive, context senstive help

Extended Information Sources

  • Export information to Microsoft products such as Word and Excel
  • Send reports via e-mail
  • Payroll administrator and management reports delivered via e-mail
  • Regularly notify staff of remaining holiday entitlement automatically by e-mail
  • Automatically notify managers of Payroll requirement by e-mail


Clavell Capital Limited – NZ Merchant Bankers specialising in mergers, acquisitions, divestments, capital raising, IPOs and company sales in New Zealand #david #belcher, #merchant #banking, #mergers, #acquisitions, #divestments, #capital #raising, #ipos, #company #sales, #new #zealand


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Clavell Capital Limited

David Belcher AFInstD

EXECUTIVE CHAIRMAN

David was elected a member of the Auckland Stock Exchange in 1981, initially as a partner of Bidwill Wakeman and Paine which became Paine Belcher Limited in 1984. On 4 June 2003 David became a foundation NZX broker after the corporatisation of the New Zealand Stock Exchange.

David is widely experienced in the areas of mergers and acquisitions, capital raising, sharemarket listing and corporate restructuring, both in New Zealand and overseas markets, having led transactions from approx. $10 million to over $750 million dollars. He has also acted as lead manager in over 25 IPOs on the New Zealand Stock Exchange.

David has also had experience in monitoring both listed and unlisted companies and was Executive Chairman of The New Zealand Wine Fund Limited and Vavasour Wines Limited from formation in 2002 until 2007. He is currently Chairman of RocPac Limited and a Director of Parents Inc. David has been a Director of numerous other listed and private companies. He is an Accredited Fellow of the Institute of Directors in New Zealand.

John Brabazon BCom, AFInstD, FFin, ACA

EXECUTIVE DIRECTOR

John’s professional qualifications include: a Bachelor of Commerce from The University of Auckland; an Accredited Fellow of the Institute of Directors in New Zealand; a Fellow of the Financial Services Institute of Australasia; and an Associate Chartered Accountant of the New Zealand Institute of Chartered Accountants.

His background includes investment banking at Banque Indosuez, Brierley Investments and Bancorp. Currently he is a director of Auckland International Airport Limited (New Zealand s fourth largest listed public company) and Chairman of Kern River Oil Corporation in the United States. He has been a director of numerous private and listed companies.

He has had involvement in all aspects of mergers, acquisitions, capital raisings and Due Diligence over a broad range of industries, leading Due Diligence assignments in New Zealand and internationally for over 25 years.

Charles Belcher BCom, BProp

ASSOCIATE

Charles joined Clavell in late 2007 after graduating with a Bachelor of Commerce and a Bachelor of Property from The University of Auckland. In 2008 he completed an internship at the Maxim Institute’s Centre for Tomorrow’s Leaders.

Charles has worked on wide range of transactions including as lead and co-lead on a number of significant projects.

In June 2014 Charles accepted the role of Chief Financial Officer for a large hospitality group, The Better Bar Company, which has subsequently been acquired by the listed company, Veritas Group.

Charles rejoined Clavell in late 2015.

Trevor Kerr B Com, ACA, ACIS, AFInstD

CONSULTANT / SENIOR ASSOCIATE

Trevor was an Executive Director of Clavell Capital Limited from 1994 to 2007. Trevor has significant transactional, operational, restructuring and corporate monitoring experience.

Prior to joining Clavell Trevor had wide executive experience, including a period as an operations executive with Brierley Investments Limited and as Managing Director and CEO of Skellerup Industries Limited.

Trevor was formerly a director of Ng i Tahu Holdings and Taylors Dry Cleaning and Lane Walker Industries and maintains strong links to his South Island heritage.

Trevor is currently Chairman of Cerebos Australia Pty Limited, Cerebos-Gregg s New Zealand Limited and Dominion Salt Limited. Trevor is also a director of AMI Insurance Limited and a number of other New Zealand companies.

Nick Houghton BCom

ASSOCIATE

Nick completed his qualification with a Bachelor of Commerce majoring in Finance and a Diploma in Languages majoring in Spanish at the University of Otago. Nick also graduated from the Venn Foundation Internship program in early 2014.

Nick manages his own property portfolio, and has work experience in commercial property at CBRE, and in the construction sector for Hawkins Construction.

Nick is involved in all aspects of the investment process, including due diligence, financial analysis and deal execution.

Zac Wu BBus

ASSOCIATE

Zac holds Bachelor of Business with Honours majoring in Finance at the Auckland University of Technology (AUT). Being fluent in English and Mandarin, he has strong insight into both New Zealand and Chinese business culture.

Zac is a winner of numerous awards including: Chartered Financial Analyst Global Research; Competition (2012 NZ Final); CFA University Examination Scholarship; and Sir Peter Blake Trust Leadership. In 2013 he represented New Zealand in financial modeling at the CFA Global Research Competition held in Malaysia.

Zac has work experience in private equity and chartered accounting.

Joanne Davidson

OPERATIONS MANAGER

Prior to joining Clavell Capital in 1996 Joanne had previously worked with the New Zealand Development Finance Corporation and PricewaterhouseCoopers in New Zealand and Citicorp Investment in the USA, in both administration and analytical/research roles.

Joanne undertakes a project management and analytical role for Clavell Capital mandates as well as overseeing the administration and corporate compliance/governance of the company.



Lloyds Bank – Internet Banking – Online & Mobile #online #banking, #internet #banking, #mobile #banking


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BANKING ONLINE

Benefits of banking online

Access your bank accounts 24/7, 365 days a year. It s the quick and easy way to keep track of your money, make payments and see your statements.

There s so much you can do with Internet Banking. You can even go paperless and keep your statements in one secure place. Plus by regularly keeping track of your accounts you can be more aware of any suspicious activity.

Download our apps

For secure and easy mobile banking plus a few convenient extras try our app.

  • Express log on
  • Built in security
  • Bank on the go

Our fraud guarantee

We guarantee to refund your money (including charges and interest that you ve paid or not received as a result) in the unlikely event that you experience fraud with our Internet Banking service.

We will take steps to protect you 24/7, using technology and safeguards that meet or exceed industry standards, but you must also use our online banking services carefully.

You might be looking for

Need help with Internet Banking?
You can view our helpful guides or select help and support once you’ve logged on. If you’re still having problems, please call our online helpdesk .

Important legal information

Lloyds Bank plc Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No.2065. Telephone: 020 7626 1500. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. We also subscribe to The Lending Code. Details can be obtained from www.lendingstandardsboard.org.uk Visit the Lending Standards Board website. .

Lloyds Bank plc Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065.

Save the Change is a registered trademark of Lloyds Bank plc

PhoneBank is a registered trademark of Lloyds Bank plc

Money Manager is provided to help you manage your personal finances and is not intended to provide legal, tax or financial advice. Personal Internet Banking customers only. Terms and conditions apply. Mobile Banking services may be affected by phone signal and functionality. Must be registered for Internet Banking. Terms and conditions apply.

Cyber Essentials is a government-backed scheme that certifies that we meet their range of essential precautions to protect our customers and the bank against internet-based threats. Learn about how we’re protecting you .



ANZ lifts interest-only home loan rates, but cuts principal and interest loans #banking #and #finance, #anz, #interest #rates, #mortgage #rates, #banking


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ANZ lifts interest-only home loan rates, but cuts principal and interest loans

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ANZ’s rate increase, which follows a hike in property investor and interest-only rates in March, will mainly affect property investors, who regulators view as a key source of risk in the housing market.

ANZ said 80 per cent of its owner-occupier borrowers will receive a rate cut, because they have principal and interest loans.

Suncorp also announced it was raising interest rates on Friday, and its increase of 0.12 percentage points will affect only property investors.

The rate increases come after the banking regulator in March unveiled tough new curbs on interest-only lending by banks. amid concerns about “heightened risk” in the property markets of Sydney and Melbourne.

ANZ’s group executive in charge of its Australian arm, Fred Ohlsson, said the bank’s rate moves were a response to “regulatory obligations”, and a desire to encourage more borrowers to pay back principal on their loans.

“While we know those only paying interest on their loans will be disappointed, we need to manage our regulatory obligations and we are now required to hold additional capital against our home loans. We also need to better balance our portfolio towards those paying off their homes,” he said.

We need to better balance our portfolio towards those paying off their homes.

“There are clear benefits for our customers to be paying off their loans and we have made this as easy as possible by removing fees associated with moving across from interest-only loans.”

Combined with a fall in lending to property investors in March. Friday’s drop in loan approvals represents the steepest decline in loans to investors since the last time the Australian Prudential Regulation Authority (APRA) was forced to take action against risky investor lending in mid-2015.

JP Morgan economist Henry St John said there was evidence the Sydney and Melbourne property markets were cooling as the tightening of interest only mortgages placed “fairly immediate downside pressure”.

House prices fell nationally for the first time in 18 months in May, led by a 1.3 per cent drop in Sydney and 1.7 per cent in Melbourne, according to CoreLogic.

In good news for first home buyers, loans to those trying to get into the market crept up to 13.9 per cent, from 13.5 per cent in March, but remain at historic lows.

In recent years, it has been almost unheard of for banks to cut their interest rates on home loans independently of the Reserve Bank .

The chair of the government’s banking inquiry, David Coleman. this week cited findings that on 19 out of 20 occasions when banks had moved their home loan rates independently from the central bank, customers had been left worse off.

Suncorp also pointed to regulatory changes in explaining its decision on Friday to raise variable interest rates on investor home loans by 0.12 percentage points.

Unlike some banks, Suncorp does not charge a separate rate for interest-only loans, which are most popular with property investors.

Suncorp’s banking and wealth chief executive, David Carter, said the bank was complying with the Australian Prudential Regulation Authority’s restrictions, but it needed to act after other banks raised rates for investors in recent months.

“With the market having effectively repriced investor lending, and with some lenders having opted out of certain aspects of the investor market, it’s important for us to manage the demand for new business,” he said in a statement.

Related Articles



Online Banking – Manage Your Bank Account Online – SELCO Community Credit Union #online #banking, #bill #pay #system, #banking #anytime


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Online Banking

Get anytime access.

Take us with you wherever you go. Our Online Banking system gives you complete control over all your accounts so you can manage your money safely from the web anytime, anywhere. Pay your bills, transfer funds, track your spending, and more with all of your finances on one screen.

Enroll in Online Banking today by entering your account number and following the prompts.

Monitor your spending.

Check all of your SELCO accounts in one place. View your available balance and pending transactions, set up online bill pay, and place an instant stop payment on any check. You can even set up alerts to help you monitor your account activity.

Make easy transfers.

Get your money where it needs to go. The click of a button lets you quickly transfer funds between your accounts, to another SELCO member, or to and from your accounts at another institution.

Stay organized.

Our user-friendly screens make navigating your Online Banking account easy. Click on the Gear icons for quick actions, and change your settings in the My Profile menu. Use the Quick History view for a snapshot of transactions in all your accounts. Open additional accounts and customize their names for at-a-glance tracking.

Protect your account.

SELCO s secure Online Banking system offers multiple layers of protection. Once you log in, you can establish security questions and change your password. If you re enrolled in text banking, you can also use mobile phone authentication to prove your identity. Read our online banking safety tips to learn more about keeping your money safe.

Need help?

Check our frequently asked questions for answers. Our Online Banking system requires one of the following browsers:



Cord Blood Banking: Deciding About Public or Private Donations #cord #blood #banking, #private #cord #blood #banks, #pulic #cord #blood #banks, #public #cord #blood #banking, #umbilical #cord #blood, #stem #cell, #stem #cell #transplant, #stem #cells, #leukemia, #sickle #cell #anemia, #minorities


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Cord Blood Banking: Deciding About Public or Private Donations

Cord blood banking can be a priceless investment.

After birth, your baby no longer needs the umbilical cord or placenta. But the blood that remains could be a lifesaver for a patient who needs it, including a member of your own family. That’s because this blood is rich with blood-forming stem cells. As with bone marrow transplants. these cells can be transplanted and help save the lives of patients with leukemia or other life-threatening diseases.

Should you consider donating your infant’s cord blood to a public bank? Or should you bank it for your own family’s use? Here is information that may help you decide.

What You Should Know About Public Cord Blood Banking

If you make a donation to a public cord blood bank, you can’t reserve it for your family, so it may not be available for your future use. Both the American Academy of Pediatrics (AAP) and American Medical Association (AMA) recommend public cord blood banking over private cord blood banking. Here’s why:

  • Public cord blood banking is free.
  • Public cord blood banking makes stem cells available to anyone who needs them.
  • Public cord blood donation will increase the number and diversity of cord blood units available for patients. Widespread donations by minorities will expand the available pool of minority cord blood units in the public system and make it easier for the following groups to find matches:
    • American Indians and Alaska Natives
    • Asians
    • African-Americans
    • Hispanics
    • Native Hawaiians and Pacific Islanders
    • People who are multiracial

If you choose to donate cord blood for public use, you should be aware that the blood will be tested for both genetic abnormalities and infectious diseases. If any are found, someone will notify you.

What You Should Know About Private Cord Blood Banking

The American College of Obstetricians and Gynecologis ts (ACOG) neither recommends nor advises against co rd blood banking. But along with the AAP and AMA, it cautions parents about private cord blood banking. Here’s why:

  • Collection and storage costs at private cord blood banks are high.
  • Other effective treatments may be available that are less expensive.
  • The chance of privately banked cord blood being used by your child is extremely low.
  • Stem cell transplant using an individual’s own cord blood (called an autologous transplant) cannot be used for genetic disorders such as sickle cell disease and thalassemia, because the genetic mutations which cause these disorders are present in the baby’s cord blood. Other diseases that are treated with stem cell transplant, such as leukemia, may also already be present in a baby’s cord blood.

Continued

Because of these limitations and the uncommon occurrence of the diseases treatable with stem cell transplant, there have been just more than 400 autologous cord blood transplants in United States in the last two decades. In contrast, more than 60,000 unrelated donor cord blood transplants have been performed worldwide.

In short, the AAP and the AMA recommend against storing cord blood as a form of “biological insurance ,” because the benefits are too remote to justify the costs.

Are there situations where private cord blood banking might make sense? Some parents choose to bank their child’s blood if they don’t know his or her medical background — for instance, if a parent was adopted or the child was conceived with a sperm or egg donor.

The AAP does recommend cord blood banking if an infant has a full sibling with a malignant or genetic condition treatable with cord blood transplantation. These conditions include.

Even so, a brother or a sister has only a 25% chance of being a perfect genetic match. Thus, a sibling may require a bone marrow or cord blood transplant from a unrelated donor.

The AMA also suggests considering private cord blood banking if there is a family history of malignant or genetic conditions that might benefit from cord blood stem cells. Keep in mind, however, that to find a suitable match for any type of transplant, 70% must look outside their family.

What the Future Holds

No one knows how stem cells will be used in the future, but researchers hope that they may be used to treat many conditions, like Alzheimer’s. diabetes. heart failure. spinal cord damage, and other conditions.

It’s possible that storing your child’s cord blood cells now may be useful one day in combating these diseases. For now, these treatments are only theoretical. It’s also not clear if stem cells from cord blood — as opposed to stem cells from other sources — will be useful in these potential treatments.

WebMD Medical Reference Reviewed by Trina Pagano, MD on September 18, 2016

Sources

Arthur Caplan, PhD, chairman, department of medical ethics, director, Center for Bioethics, University of Pennsylvania.

Jeffrey Ecker, MD, high-risk obstetrician, Massachusetts General Hospital; assistant professor of obstetrics, gynecology, and reproductive biology, Harvard Medical School.

Stephen Feig, MD, professor of pediatrics, UCLA.

Ecker, J. and Greene, M. Obstetrics and Gynecology, June 2005; vol 105: pp 1-3.

Rottman, G. Pediatrics. 1997; vol 99: pp 475-476.

Rogers I. and Casher, R. Human Reproduction Update, 2003; vol 9: pp 25-33.

National Marrow Donor Program web site.

American College of Obstetricians and Gynecologists web site.

National Academy of Sciences web site.

National Cord Blood Program Website

National Library of Medicine

WebMD Medical Reference from Healthwise: “Umbilical Cord Blood Stem Cells.”

Pediatrics. January, 2007; vol 119 no 1: pp 165-170.

American Medical Association web site.

Parent’s Guide to Cord Blood Foundation web site.

© 2016 WebMD, LLC. All rights reserved.



Parenteral iron #how #expensive #is #cord #blood #banking


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6.4: Parenteral iron

Oral iron is the preferred, and safest, first-line therapy for most patients with iron deficiency anaemia but many users experience gastrointestinal side effects and compliance with treatment is poor. In patients receiving ESA, oral iron replacement is often inadequate and ‘functional iron deficiency’ limits the response to treatment. Parenteral iron produces more rapid responses and better repletion of iron stores in several clinical settings but, until recently, its use was limited by a significant risk of severe, occasionally fatal, allergic reactions with the available preparations (especially high molecular weight iron dextran). The currently available preparations have a very low incidence of serious reactions and have brought parenteral iron back into mainstream practice. Common indications for the use of intravenous iron include:

  • Iron deficiency anaemia with intolerance of oral iron, especially in inflammatory bowel disease, or where oral iron is ineffective.
  • To support the use of erythropoiesis stimulating agents (including patients on renal dialysis).
  • As an alternative to blood transfusion when a rapid increase in Hb is required (e.g. perioperative anaemia, severe anaemia in late pregnancy or postpartum anaemia).

Several parenteral iron preparations are now licensed in the UK. Some, such as iron sucrose (Venofer ), are given up to three times weekly by slow intravenous injection or short infusion and may need several weeks of treatment for a full replacement dose to be administered. Others, such as low molecular weight iron dextrans (Cosmofer ), may be given as a single total dose infusion over several hours. More recently introduced agents, such as ferric carboxymaltose (Ferinject ) or iron isomaltoside (Monofer ) have the advantage of administering large replacement doses more rapidly (15 to 60 minutes).

The newer preparations are more expensive and clinical experience is still limited. Parenteral iron is contraindicated in the first trimester of pregnancy. The availability of individual parenteral iron preparations varies between hospitals and they should be used according to local guidelines and policies. Detailed information about dose and administration is available in the individual Summary of Product Characteristics and the British National Formulary (http://bnf.org/bnf ).



Cord Blood Banking Cost #cord #blood #banking, #largest, #most #experienced #stem #cell #bank


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What Does Cord Banking Cost?

CBR offers several options to help make cord blood banking affordable for every family:

  • Monthly payment plans, including $55 per month for 48 months for cord blood banking
  • The CBR Gift Registry to which family and friends can contribute
  • Prepay and save

CBR also offers a Newborn Possibilities Program, which provides cord blood and cord tissue collection, processing, and five years of storage at no cost to families with a medical need.

Learn more about the value of cord blood and tissue banking and your payment options for saving this potentially lifesaving resource.

CBR has special pricing available in the event of multiple births (twins, triplets, etc.). Click here to view our multiple births pricing.

Today, family banking is not an FSA or HSA eligible expense. In order for cord blood banking — or any service or product that falls under the category of “Ineligible Expense” per IRS sec 213 (d)(1) — to qualify under a plan or program, a health care professional must provide evidence of medical necessity with the infant or other family member covered under the HSA/FSA for the cost of harvesting and storing cord blood to be an eligible medical expense.

Similar to services like circumcision, your provider may charge a fee to collect your newborn’s stem cells. Please check with your insurance carrier to see if they cover this fee.

Your baby’s banked stem cells belong to your baby. As your baby’s legal guardian, you act on your baby’s behalf in deciding what to do with the stem cells until the child turns 18 years old. After the child is 18 years old, only he or she can decide what to do with the cells. If you terminate the storage contract with CBR before the child turns 18, you are deciding that it is your child’s best interests to not save these stem cells anymore. In such case, CBR will own the sample. If you terminate the storage contract after the child turns 18, we will attempt to contact the child for instruction on whether to terminate the account.

For the first time in the company’s 25-year history, CBR has raised the annual stem cell storage rate for some of its existing family customers. CBR determined that this approximately $25 annual increase was necessary at this time to ensure our ability to continue investing in research and important support services, including maintaining genetic counselors on staff to educate on stem cell preservation options and utility. The increase does not apply to families who opted for a pre-paid storage package, and our annual storage rates remain competitive with other national family banks.

Scientific understanding of potential uses for stem cells is rapidly evolving, particularly in the area of regenerative medicine. Parents who opt to preserve newborn stem cells through CBR recognize the promise of these advances in stem cell science to potentially offer future benefits to the health and well-being of their families. CBR invests in education on both family banking and public donation options so that expectant parents can make an informed decision about the best choice for their family.

About Cord Blood Registry

Cord Blood Registry (CBR ) is the world s largest newborn stem cell company. Founded in 1992, CBR is entrusted by parents with storing samples from more than 500,000 children. CBR is dedicated to advancing the clinical application of cord blood and cord tissue stem cells by partnering with institutions to establish FDA-regulated clinical trials for conditions that have no cure today.

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Snellings Law Firm #louisiana, #monroe, #lawyer,law, #firm, #snellings, #breard, #sartor, #inabnett, #trascher, #giovingo, #llc, #l.l.c, #legal #services, #banking #law, #insurance #law, #general #plaintiff, #plaintiff, #civil, #defense #litigation, #commercial #litigation, #litigation, #health-care #law, #general #real #estate, #business #law, #commercial #law.


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From its beginnings in 1917 as Briggs and McHenry, Snellings, Breard, Sartor, Inabnett, and Trascher has undergone continuous growth and is recognized as one of the city’s leading full service law firms.

The firm has nine attorneys, including one with an L.L.M. in taxation, and numerous support staff who provide professional services, including secretarial, paralegal, and abstract services. Snellings, Breard provides a wide range of legal services to a growing clientele and offers extensive experience in banking, corporate, estate planning, litigation, general real estate, taxation, and all phases of business and commercial Law.

Since its move to the current 10,000 square foot office in 1972, the firm has continually upgraded its office facilities, equipment, and technological capabilities. The firm maintains a library of over 8,000 volumes, in addition to Westlaw and Internet resources and has recently replaced its computer system, with all attorneys and staff having networked PCs and online access.

The attorneys practicing with the firm have been educated at the law schools of LSU, Tulane, Loyola and the University of Florida. The attorneys have a wide variety of professional skills and specializations and are active members of the local community. The firm is a member of the Bar Register of Preeminent Lawyers.

Corporate Law; Banking Law; Real Estate Law; Estate Planning; Probate Law.

Tulane University (J.D. 1966); Tulane University (B.A. 1963).

Fourth Judicial District (President, 1979-1980; Chairman, Indigent Defender Board, 1976-1977), Louisiana State (Member: Committee on Professional Responsibility, 1980-; Ethics Advisory Service; Board of Governors Seventh Board District, 2000-2003) and American Bar Associations.

  • CONSTRUCTION
    • Holyfield Construction, Inc.
    • Rexel-Summers Corporation
    • Recon Companies
    • River City Sheet Metal, Inc.
    • Venture Consulting, L.L.C.
  • REAL ESTATE
    • Ashford Place Apartments, LLC
    • The Bryan Company
    • Faulk & Foster Real Estate, Inc.
    • Holyfield Investments, LLC
    • Welsh Properties, LP
    • Wendelta Property Holdings, LLC.
  • FINANCIAL
    • Bancorp South Bank
    • Bank of Ozarks
    • Federal Deposit Insurance Corporation
    • JP Morgan Chase Bank
    • Monroe Credit Union
    • Progressive Bank
    • Rabo AgService, Inc.
    • Richland State Bank.
  • RETAIL AND WHOLESALE SALES
    • B & L Marine, Inc.
    • Central Oil and Supply Corporation
    • Crow-Burlingame
    • Hatteras Collection, U.A.E.
    • Marsala Beverage, LP
    • Parts Warehouse, Inc.
    • Piggly Wiggly Corp.
    • Replacement Parts, Inc.
    • Sol’s Pipe & Steel, Inc.
  • INDIVIDUALS
    • The firm represents many individuals, should you desire a reference from those clients, please contact the firm.
  • UTILITY
    • CenturyTel, Inc.
    • Cheniere-Drew Water System, Inc.
    • Medical Provider clients
    • IASIS Glenwood Regional Medical Center LP
    • Glenwood Resolution Authority, Inc.
    • Hospice Enterprises, LLC
    • Medical Temps, Inc.
    • Professional Health Services, Inc.
    • TriCare Home Health, LLC
    • Union General Hospital.
  • INSURANCE AND CLAIM
    • Admiral Insurance Company
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    • Cannon Cochran Management Services, Inc.
    • CJW Associates
    • Horace Mann Insurance Co.
    • Louisiana Mutual Insurance Company
    • Louisiana Employer’s Mutual Insurance Company
    • LUBA Casualty Insurance Company
    • Lumberman’s Mutual Insurance Company
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    • Property & Casualty Alliance
    • Risk Management Services
    • Summit Claims Center.
  • VARIOUS
    • Center for Children & Families, Inc.
    • Louisiana Association of Educators
    • Madison Parish School Board (Sales Tax Division)
    • The United Group.
    • LOCAL ATTORNEYS AND AGENT FOR First American Title Insurance Co.
    • Kilpatrick Funeral Homes
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Riverview Bank #riverview #bank, #riverview, #financial, #bank, #banking, #checking #accounts, #savings #accounts, #business, #pennsylvania, #pa


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New To Riverview?

Welcome to hometown banking!

WE’RE EXPANDING!

COMING SOON!

You’ve Worked Hard To Save Your Money

Grow Your Nest Egg with Riverview Bank!

VISA Purchase Alerts – Know Where Your Money is Going?

Do You Love Paying Less and Getting More?

Online Banking

Ready when you are! Riverview Bank s free online banking gives you quick, secure access to your accounts 24/7 so you can pay bills and transfer funds anytime you like. We make online banking easy, safe and convenient. And, our FREE online Bill Payment service means no more check writing hassles, no stamps to buy or envelopes to fill out. Enroll now .

Home Mortgage Loans

Is a new home in your future? Let Riverview Bank help you get there. Whether you plan to buy or build, we have the mortgage tools, information and expertise to help you with the decisions you need to make along the way. Learn about the types of mortgage loans we offer and start your home mortgage process today. Learn more.

Home Equity Line of Credit

Are you ready for whatever’s around the next bend? What can you do with a Home Equity Line of Credit from Riverview Bank? How about a vacation, remodel your home, or even consolidate your debt! Learn more.

Debit and Credit Cards

To find the perfect card for all your purchasing needs, look no further than Riverview Bank. In addition to Visa Debit cards we offer a full range of Credit Card options, including personal and business Rewards cards, with the purchasing power of Visa and American Express. Learn more .

Planning Retirement

Riverview has accounts to fit your individual and retirement goals. Whether you re just starting out, or nearing the end of a long career, let Riverview help plan your strategy. Learn more.

Commercial Banking Services

At Riverview Bank, we know the importance of reliable banking services delivered by local people who understand your business. From commercial loans that support your capital needs to deposit services that help you maximize cash flow, Riverview Bank s commercial services are designed with your bottom line in mind. Learn more .



Popular – Puerto Rico #banco #popular, #popular #inc., #retail #banking, #business #banking, #internet #banking, #bank #accounts, #loans, #credit #cards, #investments, #insurance


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Credit Report Errors #credit #report #errors, #credit #reporting, #equifax, #experian, #transunion, #banking #& #credit, #consumer #protection, #money


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Consumer Financial Protection Bureau takes aim at false data

When a company supplies the wrong information about you to a credit-reporting company, it can cost you time and money. Whether it’s a simple mistake such as a misspelled name or a record of an unpaid bill that you actually paid, credit-report errors can affect the cost of your credit and insurance and seriously complicate a loan or job application.

One in five consumers had a mistake on a credit report, according to a recent study by the the Federal Trade Commission. and 5 percent had serious errors that could lead them to paying more for credit. When you discover an error on your report, fixing it can be incredibly complicated and frustrating.

There is some good news on the credit-report front, thanks to action by the Consumer Financial Protection Bureau. The CFPB has issued a sharp warning to creditors and others that furnish data to credit bureaus. Those companies have been put on notice that they must investigate and review credit report disputes as required by law, and if a furnisher has violated the law, the CFPB is prepared to take action against it.

In a bulletin (PDF) circulated on Sept. 4, the CFPB reminded the furnishers that they have a legal obligation to investigate consumer disputes forwarded by the consumer reporting companies, and that they must review all relevant information provided with the disputes.

Most important for consumers, furnishers must report the results of their investigation to the national consumer reporting companies (Equifax, Experian, TransUnion) if those companies might have received inaccurate or incomplete credit information. Furnishers also have to modify, delete, or permanently block disputed information that is incomplete or inaccurate or cannot be verified.

At Consumers Union, the policy and advocacy arm of Consumer Reports, we think this bulletin sends the right message, not just to creditors, but also to the entire credit-reporting industry. It’s a clear signal that companies that have avoided close scrutiny for years are being held to a higher standard when it comes to how they treat consumers.

We think that greater oversight of credit reporting is long overdue. That’s why we’re fighting to eliminate some of the confusion and mystery that are part of this murky industry. We’re pushing Congress to pass a bill to require credit scores to be included in your annual, free credit report so you can get all the information you need to manage your money. Learn more about our credit-score campaign .



Bonds tumble by US$270 billion as Draghi, Yellen batter markets, Banking – Finance – THE BUSINESS TIMES #hastings #car #insurance


#trade in value for car
#

Bonds tumble by US$270 billion as Draghi, Yellen batter markets

Dec 4, 2015 7:09 PM

[SYDNEY] December has been a bruising month for bond traders and we’re only four days in. The value of the US fixed-income market slid by US$162.5 billion on Thursday while the euro area’s shrank by the equivalent of US$107.5 billion as a smaller-than-expected stimulus boost by the European Central Bank and hawkish comments from Janet Yellen pushed up yields around the world. A global index of bonds compiled Bank of America Merrill Lynch slumped the most since June 2013.

The ECB led by President Mario Draghi increased its bond- buying program by at least 360 billion euros (S$546.5 billion) and cut the deposit rate by 10 basis points at a policy meeting Thursday but the package fell short of the amount many economists had predicted. Fed chair Yellen told Congress US household spending had been “particularly solid in 2015,” and car sales were strong, backing the case for the central bank to raise interest rates this month for the first time in almost a decade.

“A lot of people lost money,” said Charles Comiskey, head of Treasury trading in New York at Bank of Nova Scotia, one of the 22 primary dealers obligated to bid at US debt sales. “People were caught in those trades. In the old days, this would have been a one-week trade. In the new world, and in the less liquid market we live in today, it takes one day for the repricing.”

The benchmark US 10-year note yield jumped 13 basis points on Thursday, the most since Feb 6. It fell two basis points on Friday to 2.30 per cent as of 10.51 am in London, according to Bloomberg Bond Trader data. The price of the 2.25 per cent note due in November 2025 rose 6/32, or US$1.88 per US$1,000 face amount, to 99 19/32.

Germany’s 10-year bund yield surged 20 basis points on Thursday to 0.67 per cent. The two-year yield climbed 13 basis points to minus 0.31 per cent after dropping to minus 0.454 per cent before the ECB decision, the lowest level since Bloomberg began compiling data in 1990.

The bond rout on Thursday added weight to warnings from Franklin Templeton’s Michael Hasenstab that there is a “a lot of pain” to come as rising US interest rates disrupts complacency in the debt market.

“A lot of investors have gotten very complacent and comfortable with the idea that there’s global deflation and you can go long rates forever,” Mr Hasenstab, whose Templeton Global Bond Fund sits atop Morningstar Inc’s 10-year performance ranking, said this week. “When that reverses, there will be a lot of pain in many of the bond markets.”

Bonds sold off on Thursday even as US stocks declined, with the Standard Poor’s 500 Index posting its biggest loss since Sept 28, and as government and industry reports showed data falling short of economists forecasts. Asian stocks dropped on Friday.

The Bank of America Merrill Lynch MOVE Index, which measures price swings in US debt, climbed for a fourth day Thursday, the longest stretch of advances since June.

Ms Yellen, testifying before Congress’s Joint Economic Committee, warned legislators about the dangers of the Fed waiting too long to raise rates. Economists surveyed by Bloomberg forecast a Labor Department report Friday will show US employers added 200,000 jobs in November, above the monthly average of 67,000 for the past decade.

There’s a 74 per cent chance the Fed will raise its benchmark by its Dec 15-16 meeting, according to futures data compiled by Bloomberg. The calculation assumes the effective fed funds rate averages 0.375 per cent after the first increase, compared with the current range of zero to 0.25 per cent.

“The type of divergence they thought was going to happen between the Fed and ECB was far too great,” Roger Bridges, chief global strategist for interest rates and currencies at Nikko Asset Management Australia in Sydney, said of market expectations. “What we’re seeing is that maybe the Fed won’t tighten as much as the market feared, and the ECB won’t be as accommodative as the market hoped in its wildest dreams.”



Bank of Ireland launches Personal Contract Purchase for second hand cars – Press Releases – Press – About Bank of Ireland – Personal Banking ROI #lease #a #car


#second hand cars ireland
#

Press Releases

30 July 2014

Bank of Ireland launches Personal Contract Purchase for second hand cars

Bank of Ireland Finance today (Wednesday, 30 July 2014) announced that, together with its franchise partners, it is launching a new Personal Contract Purchase* (PCP) product for second hand cars from Friday, 1 August 2014, the first Irish Bank to offer this product for the purchase of second hand cars. This is an extension of their current PCP offering on new vehicles and will enhance and support the growth of the PCP product through its franchise dealers.

The Personal Contract Purchase (PCP) is a customer friendly product that allows consumers to drive a new car without the associated costs of ownership of same. Traditionally only available for the purchase of new cars, the extension of the PCP to second hand cars significantly expands the reach of the product across the market. Qualifying second hand cars will include vehicles up to 18 months old. Bank of Ireland has established itself as the market leader in the motor finance industry, partnering with 14 leading motor franchises in the Irish market.

Pat Creed, Managing Director, Bank of Ireland Finance, said: Conditions in the motor industry have been very challenging since 2007 when new car sales decreased from 152,830 to 74,300 in 2013. Consumers postponed the purchase of a new car which in turn led to a much older car pool in Ireland. It also means that the cost of purchasing a new car is now much greater with less equity in the older trade in.

However, Bank of Ireland s range of products including PCP and low rate subsidised offers are helping customers get their new car with affordable repayments and rates from as low as 0% APR.

With more than twice as many 142 cars registered on the first day of the new registration plate compared with the same day last year, it is evident that a significant number of consumers are returning to the market. The growth in the popularity of PCP and low APR rates has been such that over 71% of all new cars purchased by consumers are now selecting these forms of payments. We are seeing very strong approval rates for PCP and low APR rates, with 90% of applications being approved for finance.

2014 is proving to be the best year for new car sales since 2008 and looks set to achieve sales of 90,000 vehicles by year end. This strong performance, whilst coming from a low base, tends to be a lead indicator and reflective of the re-emergence of consumer and business confidence. This is the second year of the dual registration plate, which has also helped change the traditional seasonality where vehicle purchases would be frontloaded in the first quarter. This has ensured that there is a more steady flow of business throughout the summer months which historically would not have happened prior to the 132 plate launch last year.

Another impact of the recession was the shortage of used cars for the industry to sell which has resulted in a significant number of cars being imported to supply the demand. It is estimated that the importation of second hand cars will reach 50,000 by the end of this year. The growing popularity of PCP will now ensure that there is a strong supply of good three year old second hand cars coming back to the market on an ongoing basis.

Interestingly, we are seeing a slightly younger customer profile on our PCP deals. Industry research supports this as it shows that younger customers prefer the lower monthly payment and are also very used to the tariff type concept where they pay for the use of an item and upgrade as with their mobile phones.

New business in the commercial motor market has seen strong growth in the first six months compared to the same period last year, again a positive indicator of renewed confidence amongst SMEs. The agri sector is also buoyant with a 6.8% increase in tractor sales year to date.

The C02 changes implemented by Government in July 2008 have been instrumental in influencing consumer purchasing decisions. The last seven years have also seen a significant change in the shift from petrol to diesel purchases and this is reflected in that 71.7% of vehicles purchased in 2007 were petrol and this compares with 73% of cars purchased in 2014 being diesel. Similarly the level of low emission purchases in C02 Band A has increased from 1.42% in 2007 to 67% in 2014.

The introduction of a PCP product for second hand cars should further drive growth in this market for the second half of the year. , concluded Pat Creed.

Ends

Note to Editors

A Personal Contract Purchase is a form of vehicle finance for individual consumers who are looking to pay a fixed, relatively low monthly payment for a set contract period of somewhere between 24 and 36 months with the right to drive the vehicle while ownership is retained by the funding company. It is similar to contract hire or leasing, however, in the case the customer has to option to ultimately acquire the vehicle at the end of the finance term for a previously agreed amount which is set at the outset of the contract.

Bank of Ireland Finance provides motor finance to the following motor distributors; Toyota, Ford, Lexus, Hyundai, Opel, Kia, Peugeot, Mercedes-Benz, Honda, Volvo, Land Rover, Jaguar, Suzuki and Mitsubishi.



Military Banking: No Credit Military Loans #salinas #auto #mall


#no credit check auto loans
#

Military Banking

NO CREDIT MILITARY LOANS

Military Loans. No Credit? No Problem.

If you are a military servicemember with a bad borrowing history, or are in the process of clearing old debts slowly, these situations can create what are commonly counted as “negative incidents” that impact your credit report and lower your credit rating.

Trying to get a loan under these conditions can be discouraging. There is another option for military servicemembers with scarred credit histories.

No credit-check loans for military servicemembers allow lenders to bypass the credit check part of your loan application. No one needs to know your credit history, as there is simply no credit check required for your loan approval process. Actual loan approval is based on other criteria, as defined by your lender.

No credit check loans can be a good short-term answer for military servicemembers who need fast cash and it may work for you. The no-credit check military loan is not only fast, easy and convenient, but with proof of military service, the application process can often be handled online.

No credit check loans are usually for small amounts, varying from $500 to $1,000, for any purpose. Because approval does not require a high score, these loans may carry higher interest rates, have short term repayment terms, and may be offered only to members of the armed forces. But for many military service members, this type of loan can be a good short-term answer when money is required for emergencies that must be taken care of immediately like short term medical care, unexpected home or auto repairs, etc.

The good news: no-credit check financing allows military service personnel to receive loans without running a check and worrying about negative information may lower their credit scores.

A strong word of caution: a higher interest rate can compound quickly, making it more difficult to pay the money back. Don’t confuse no credit-check loans for military with payday lenders, who offer high interest loans to military and consumers. For the military, payday lenders can only charge up to 36% interest – but that can be substantially more than you could get elsewhere. Before you choose any loan option, carefully weigh your need for immediate cash against long term loan payback terms and consequences should you be unable to pay the loan back quickly. Be aware of all the fees and interest charges that will be assessed.

Personal military loans accessed online can be advantageous if you know all the facts:

  • Online personal loans are only for those in the military.
  • The maximum loan amount depends on your ability to repay the loan amount, as measured by your existing income and debt.
  • The loan could be approved at end of the business day of your application.
  • Once the personal military loan is approved online, you can receive the money in 24 hours via Direct deposit Service.
  • There are no advance/upfront fees required for online application for personal military loans.
  • A full satisfaction guarantee allows you to cancel the online personal military loan within 15 days of loan approval. Confirm this guarantee once the loan is approved.
  • Repayment is automatic, through direct withdrawal from your checking or savings account.
  • Interest rates will vary based on your ability to repay the loan and your credit rating, but even military with poor credit histories may be eligible for online military loans at competitive rates of interest.

Does a VA home loan require an escrow account for taxes and insurance?

In doing my research comparing a VA loan versus a conventional loan, it appears that if you put 20% down on a conventional loan.

How do I restore my VA loan eligibility?

Can my military housing allowance be used to buy a home with a VA loan?

I am active duty military and government housing is not available at my base. Can a VA lender can count my BAH income.



Bank of Ireland launches Personal Contract Purchase for second hand cars – Press Releases – Press – About Bank of Ireland – Personal Banking ROI


#second hand cars ireland
#

Press Releases

30 July 2014

Bank of Ireland launches Personal Contract Purchase for second hand cars

Bank of Ireland Finance today (Wednesday, 30 July 2014) announced that, together with its franchise partners, it is launching a new Personal Contract Purchase* (PCP) product for second hand cars from Friday, 1 August 2014, the first Irish Bank to offer this product for the purchase of second hand cars. This is an extension of their current PCP offering on new vehicles and will enhance and support the growth of the PCP product through its franchise dealers.

The Personal Contract Purchase (PCP) is a customer friendly product that allows consumers to drive a new car without the associated costs of ownership of same. Traditionally only available for the purchase of new cars, the extension of the PCP to second hand cars significantly expands the reach of the product across the market. Qualifying second hand cars will include vehicles up to 18 months old. Bank of Ireland has established itself as the market leader in the motor finance industry, partnering with 14 leading motor franchises in the Irish market.

Pat Creed, Managing Director, Bank of Ireland Finance, said: Conditions in the motor industry have been very challenging since 2007 when new car sales decreased from 152,830 to 74,300 in 2013. Consumers postponed the purchase of a new car which in turn led to a much older car pool in Ireland. It also means that the cost of purchasing a new car is now much greater with less equity in the older trade in.

However, Bank of Ireland s range of products including PCP and low rate subsidised offers are helping customers get their new car with affordable repayments and rates from as low as 0% APR.

With more than twice as many 142 cars registered on the first day of the new registration plate compared with the same day last year, it is evident that a significant number of consumers are returning to the market. The growth in the popularity of PCP and low APR rates has been such that over 71% of all new cars purchased by consumers are now selecting these forms of payments. We are seeing very strong approval rates for PCP and low APR rates, with 90% of applications being approved for finance.

2014 is proving to be the best year for new car sales since 2008 and looks set to achieve sales of 90,000 vehicles by year end. This strong performance, whilst coming from a low base, tends to be a lead indicator and reflective of the re-emergence of consumer and business confidence. This is the second year of the dual registration plate, which has also helped change the traditional seasonality where vehicle purchases would be frontloaded in the first quarter. This has ensured that there is a more steady flow of business throughout the summer months which historically would not have happened prior to the 132 plate launch last year.

Another impact of the recession was the shortage of used cars for the industry to sell which has resulted in a significant number of cars being imported to supply the demand. It is estimated that the importation of second hand cars will reach 50,000 by the end of this year. The growing popularity of PCP will now ensure that there is a strong supply of good three year old second hand cars coming back to the market on an ongoing basis.

Interestingly, we are seeing a slightly younger customer profile on our PCP deals. Industry research supports this as it shows that younger customers prefer the lower monthly payment and are also very used to the tariff type concept where they pay for the use of an item and upgrade as with their mobile phones.

New business in the commercial motor market has seen strong growth in the first six months compared to the same period last year, again a positive indicator of renewed confidence amongst SMEs. The agri sector is also buoyant with a 6.8% increase in tractor sales year to date.

The C02 changes implemented by Government in July 2008 have been instrumental in influencing consumer purchasing decisions. The last seven years have also seen a significant change in the shift from petrol to diesel purchases and this is reflected in that 71.7% of vehicles purchased in 2007 were petrol and this compares with 73% of cars purchased in 2014 being diesel. Similarly the level of low emission purchases in C02 Band A has increased from 1.42% in 2007 to 67% in 2014.

The introduction of a PCP product for second hand cars should further drive growth in this market for the second half of the year. , concluded Pat Creed.

Ends

Note to Editors

A Personal Contract Purchase is a form of vehicle finance for individual consumers who are looking to pay a fixed, relatively low monthly payment for a set contract period of somewhere between 24 and 36 months with the right to drive the vehicle while ownership is retained by the funding company. It is similar to contract hire or leasing, however, in the case the customer has to option to ultimately acquire the vehicle at the end of the finance term for a previously agreed amount which is set at the outset of the contract.

Bank of Ireland Finance provides motor finance to the following motor distributors; Toyota, Ford, Lexus, Hyundai, Opel, Kia, Peugeot, Mercedes-Benz, Honda, Volvo, Land Rover, Jaguar, Suzuki and Mitsubishi.