Business and Finance Articles

An Individual Voluntary Arrangement Was the Right Step for Me

posted on 28 April 2012

I had to take out an Individual Voluntary Arrangement last year due to a very personal financial crisis. I had some big debts racking up and there was no way I could avoid taking out an IVA - in fact, I'm glad I did as it gave me a chance to actually deal with the debts. If I'd tried to pay the debts off on my own, I would have sunk further into debt. The IVA gave me some legal protection and allowed me some distance between myself and my creditors. I wasn't shirking my responsibilities - I actually have paid off all my creditors within a year of the IVA being issued in fact! I'd recommend anyone personally in debt to consider and IVA - talk to a financial advisor about this and see if it's the right step for you. I am amazed at how few people have heard of IVA too!

Worth it Wedding Photography Packages

posted on 19 April 2012

My fiancée just proposed to me the other day and I did say yes. So now, we have started planning our wedding. We have agreed to have our wedding three months from now. It seems like a reasonable time for us to prepare everything that we need for the wedding. I wanted to have a small and very personal wedding with our families and close friends. I want to be memorable not because it was grand but because we are committing ourselves to each other. For this reason, I really requested my fiancée to look for a worthy wedding photography packages that would be able to capture our special moment. I really wanted to take time and choose the best from the wedding photography packages that are available. We wanted a package that offers the best memorabilia and quality photos of our special day because it would be a reminder of our commitment.

Importance for musical grants to young people who do not get parental support to pursue music

posted on 15 April 2012

I come from a family of very smart people. I am smart too in such a way that areas like mathematics is not an issue what so ever. My parents hope that I will become an engineer but I have other plans in mind. I chose to be a musician, and also write music. This came as a shock to my parents but not to my siblings because they knew my passion for music. They refused to support me when I asked them to play for my music school tuition. My siblings were sympathetic and I knew if they were financially capable they would have helped me. I decided to apply for one of the grants for music. In order to win the grant, I was supposed to make a cd of me playing an instrument own composition which I did. I was also supposed to write a song and that was done within a short time and later on I was supposed to write an essay explaining my inspiration in music and this was the only tough part because writing was not my strength. After I sent them all the requirements after fourteen days I got a very positive response.