Monthly Archives: August 2012

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Disability Living Allowance: Making an Effective Claim

A Disability Living Allowance (DLA) is a benefit provided by most countries and governments for disabled children or adults to aid them with additional expenses caused by their physical incapability. If someone in the family has a physical or mental disability and these individuals require help in doing basic functions, you can make them a claim for DLA. Here’s a comprehensive guide.

1. Finding a Claim Form

Most DLA forms are available from most local benefit offices in your area. You can ask local charity groups and local government units to find the local benefit offices. Remember that you only have 6 weeks to return the form from the date you requested the form.  For the United Kingdom,  The Guardian has a unique and easier way to make a DLA application that serves as your form for application.

2. Filing the Claim Form

The DLA claim form might be quite intimidating, but it is really quite simple. First, be sure to know why you are filling in the form. You can ask the help of other people who have requested a form. Also, since you have 6 weeks to return the form, you can keep a diary of the problems and the care you provide for the individual and indicate these in the form. Be sure that you have a backup copy of the form as well.

3. The Mobility Component

Most DLA claim forms have this item. Ask yourself or the person you are applying for the following questions:

-Distance the person can walk before they are in extreme discomfort, need rest, reasons for stopping.

-How long they need to rest before continuing

-How they feel while walking

-How long it takes to cover the distance

-What aids they use in walking

4. Care Component

The DLA form’s care component asks you about details regarding how external aid from another person can make things easier for you or the person you’re applying for perform basic tasks, such as getting out of bed, showering, eating, what they feel when they wake up or during a specific time of the day, if they find trouble clothing themselves and other details.

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A Few Credit Recovery Tips

Your credit rating is a reflection of your spending and financing behavior as well as your financial discipline. Having a good credit rating is important to take out crucial financing that you will need and gain all the privileges that can save you much money in the future. It is inevitable to make mistakes and have a failed credit rating from time to time, but recovery is simply easy through these simple steps.

1. Debt Consolidation

Having great debt is a great hassle, but it can also be turned to a great advantage. It can serve as a springboard to a better credit rating. By practicing proper debt consolidation techniques or having debt consolidation companies help you repay your debts without problems, you’ll find that your credit score can rise faster than you imagine it.

2. Credit Cards

The sneakiest way a personal bankruptcy can get to you is through your credit cards. Credit cards do not indicate to you how much credit you have left. Oftentimes, customer max out their credit cards lacking the knowledge of how much they’ve used it. Keep tabs on your purchases and only use your plastic card for things you need, not things that you want. A good advice is to withdraw money and use cash, or use your debit card instead.

3. Financing

It’s hard to get financing from a bank especially with a bad credit rating. However, if you want to recover from your credit score and still have adequate financing for your needs, you can work with credit unions. Credit unions work differently from banks, so it would be wise to know more about them. One thing’s for sure: they don’t regard your credit rating for financing.

4.Small Credit Payments

If you still have “free cards” i.e. cards that are still debt-free, use them and make small purchases that you can instantly repay per month. Using and paying off the card in full improves one’s credit rating.

5. Goodwill Adjustments

This is a more personal case of debt consolidation. When you have missed just one payment for your credit card or financing, you can ask your creditor or lender to provide you a “goodwill” adjustment. This means that they don’t have to report your mistake as long as you can pay off the entire thing along with the next repayment by the deadline.

6. Pay Your Bills On Time

Punctuality is certainly a value in financing. So make sure you always do.

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