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UN-FEAR CONTRACT TERMS. 09 Jul 2014
You’re a small business, trying to get ahead whilst managing your risk. Yet time and time again you’re faced with the choice – sign an unfair contract or lose the work! Large corporations often use standard form contracts containing unfair terms which go beyond what is reasonably necessary  ..
HOLDING MONEY FOR UNCONTACTABLE CLIENTS. 02 Jul 2014
You’re holding money for a client, and after taking reasonable steps, you can’t locate the client. What should you do? It could be anything - a refund of an insurance premium or fees, an insurance claims payment. Literally any money that’s been sent to you, but belongs to your client. B ..
THE FOLD GOES TO SUPANOVA. 24 Jun 2014
Who knew our senior lawyer, Jaime Lumsden leads a double life as an epic fantasy fiction writer? And that our media manager Lydia Kurnia - moonlights as a fantasy digital artist! Far more valuable than anything a mere X-Man has to offer, their creative ‘superpowers’ also translate into inno ..
THE WHO, WHAT & WHY OF DISCRETIONARY MUTUALS. 16 Jun 2014
Large corporate groups and local government authorities who are enjoying low loss ratios but being slugged with high premiums might be well advised to consider establishing a discretionary mutual. Used in Australia for many years, discretionary mutuals are an acceptable form of alternative  ..
WHOLESALE MYTHOLOGY NUMBER 2. 10 Jun 2014
It’s common for advisers to class their clients as ‘sophisticated’, but just how sophisticated are they? Refresh your knowledge of the rules with our quick quiz. Which of the following is a sophisticated client: William has won the lottery and wants to invest $600k in a managed fund? K ..
5 LAWYER TRAITS TO LOOK FOR. 02 Jun 2014
Our last blog (https://www.thefoldlegal.com.au/blog/6-lawyer-types-to-avoid) looked at what to avoid - or run a mile from – when choosing a lawyer. Here are 5 key qualities that you should require in your lawyer. We call it ‘applied law’. Read on to see why…. Spirit of the Law  ..
HOW MANY LICENCES ARE ENOUGH. 29 May 2014
You offer a range of range of financial services through a number of different entities, all of which are supported by a service company. So how many AFS licences do you need and which employees need to be appointed as ARs? Number of Licences Essentially, there are 2 alternatives: E ..
HUNGERFORD HILL GALA DINNER. 27 May 2014
Wine, music and bonhomie flowed in abundance at the Hungerford Hill Gala Dinner! The Fold were delighted to host 14 of our valued Sydney clients at Hungerford Hill (http://www.hungerfordhill.com.au/)’s gala dinner at the Sydney Opera House on 9 May to acknowledge their support for our firm  ..
6 LAWYER TYPES TO AVOID. 26 May 2014
People seem to love to hate lawyers. Sad, but true. Here’s a few idle thoughts about lawyering styles that might be behind the rumble of grumbles…. ? Loophole lawyer The loophole lawyer’s objective first and foremost is to find a way for the client to avoid the need to comp ..
EVEN YOU COULD BE A CREDIT PROVIDER. 21 May 2014
If your payment terms are more than 7 days, you could be a ‘credit provider’ under the new Privacy Laws and subject to additional privacy obligations. Use our handy decision tree chart to find out if you are…… Contact us (/contact.html) if you need legal advice on y ..
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