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Five Financial No-No’s To Avoid During Divorce

Posted by on 6:34 am in Uncategorized | Comments Off on Five Financial No-No’s To Avoid During Divorce

While you are likely already stressed out about your upcoming divorce, don’t allow yourself to make some bad financial moves that could end up affecting you and your children for a very long time. If you plan carefully and make good decisions during this time, you could help ensure a solid and secure financial future. Read on to learn about the 5 financial no-no’s to avoid during your divorce. 1. Fail to budget. Whether or not you have hands-on training in budgeting, you are facing a new financial situation with very different incomes and expenses. Take some time to do a realistic budget before your enter into a divorce agreement. You need this info ahead of time, before you make decisions about the deposition of debt and property. Take a close look at your new expenses and your new (one-person) income. The need to make other tough financial decisions like getting a job or selling your home can become more apparent with these calculations. 2. Desire for the family home. It’s only natural to try to stay in the family home, especially if you have children. No one wants the disruption that moving could bring, but you should take a careful look at the financial ramifications of this potentially expensive decision beforehand. Not only should you consider the mortgage payment each month, but the often overlooked expenses of the homeowner’s insurance, property taxes, repairs and maintenance. Did you know that the average replacement of a home heating and air-conditioning system can cost from $1,900 to $5,100? And, it should be noted, that price doesn’t include labor. 3. Failing to look at an asset’s true value. Some assets depreciate, or lose value, over time (such as vehicles). Some assets, however, may be more valuable than they may first appear. For example, that beach cottage may be small and run down, but failing to take into consideration the potential for a steady rental income for that asset could mean leaving serious money on the table. 4. Failing to address joint credit card debt. If you have a credit card with both of your names on the account, the creditor can come after you when your spouse fails to pay the bill. Make it a priority to pay off any jointly held debt prior to the divorce to save you from some financial heartache in the future. 5. Ignoring the financial benefits of a QDRO. A Qualified Domestic Relations Order (QDRO) allows divorcing spouses to take advantage of a little known perk: the ability to withdraw retirement funds without paying a penalty. You can take a portion or all of the funds in your spouse’s 401(k) account and avoid penalties and taxes, as long as you “roll over” the funds into another qualified retirement account before tax day. For more information about financial moves to make during your divorce, speak to your divorce attorney. Contact a firm like Madison Law Firm PLLC to get...

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About Getting Legal Assistance For Bankruptcy

Posted by on 4:53 am in Uncategorized | Comments Off on About Getting Legal Assistance For Bankruptcy

Is it hard for you to save money because you owe so many creditors money? If the situation has gotten to the point of you having a difficult time taking care of your daily living expenses, filing for bankruptcy might be the best way to resolve the problem. However, sometimes there are better ways of resolving debts than filing for bankruptcy, so it is wise to get the opinion of a lawyer first. Take a look at this article to discover some of the ways that a bankruptcy lawyer can be helpful for your situation. Help You Decide if Bankruptcy is the Best Option The first thing that will be discussed during your consultation with a lawyer is your debts. You will also have to let the lawyer know how much net income you are bringing home with each paycheck. The main thing that the lawyer will figure out is how much money you are left with after paying creditors, rent, utilities, and any other vital expenses. If he or she determines that you are not that deep into financial bind, debt consolidation might be suggestions. Sometimes getting organized is all that is needed to get out of a financial bind. Discuss Your Bankruptcy Options You will have the option of choosing either Chapter 7 or 13 bankruptcy if you move forward with it. A lawyer will help you decide based on your income and your overall credit history. If you don’t have a satisfactory income, Chapter 7 is the best option because all or most of your debts will simply be forgiven. However, your credit will be left in a bad condition, which will take time to repair. If you don’t mind paying the debts off, Chapter 13 bankruptcy is ideal. You can then take longer to pay off creditors, and your credit will be in better shape. Try to Help You Avoid Having to Sell Assets Once your lawyer has filed your bankruptcy case, you will be appointed a trustee to handle how debts should be handled. For instance, the trustee speaks with the creditors and decides which debts should be completely forgiven. He or she can also opt for selling some of your assets in an effort to satisfy all or a portion of the money that is owed to creditors. A lawyer like Gregory J Hermiller can speak on your behalf to help you keep your assets. Tell a lawyer about your desire to file for bankruptcy so the process can...

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Three Steps To Opening Up A Happening Hookah Lounge In Your Town

Posted by on 4:55 am in Uncategorized | Comments Off on Three Steps To Opening Up A Happening Hookah Lounge In Your Town

If you have always wanted to be a club owner or manager but you are not built for the heavy nightlife, a hookah lounge is a great business that provides a perfect in-between. Becoming the owner of a hookah lounge takes more than having flavored hookah and seating. It is important to take care of all of the basics to set up a successful business. Here are three steps to set up a hookah lounge that will become the happening spot in town. Cushy seating and good ventilation When you are selecting the right building for a hookah lounge, you should look for a place that is near restaurants in a desirable part of town. People enjoy heading to restaurants or meeting up with friends in the city before going to a lounge. Cushy seating, including large sofas and high back, well cushioned chairs is perfect for enjoying a hookah. Ventilation is also important for a building that will be hosting a hookah lounge. Be sure that the building that you rent or purchase has proper internal ventilation will keep the guests happy.  Get a liquor license and hire a DJ Any good lounge will have a good aura. If you wish to have an enjoyable and relaxing scene for the over 21 set, you should get a liquor license and hire a DJ. Be sure to look up how to get a liquor license in your city and state so that you can prepare your lounge for the rules and regulations necessary to serve alcoholic drinks. Contact a company like Arizona Liquor Industry Consultants to learn more. Along with liquor, hire a good DJ who can compliment your lounge. Depending on the vibe that you want the lounge to give out the DJ may play soft jazz or loud house music. A consistent DJ can help you bring in a consistent crowd.  Provide expedited customer service One of the biggst gripes of club goers is waiting to be serviced at a crowded bar. To encourage those who enjoy fast and good customer service to transition to your lounge, provide wait staff that will offer table service to those who sit at your lounge. You and any other owners walking around and making sure that the customers and staff are happy will provide updated customer service. This will take away the need for customers to stand around and it will make your personal staff less overwhelmed. Providing good service that emphasizes customer comfort can make your hookah lounge stand out from all of the other nightclubs in the...

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Answering Questions Concerning Auto Accident Cases

Posted by on 4:38 am in Uncategorized | Comments Off on Answering Questions Concerning Auto Accident Cases

Car accidents have the power to cause extensive injuries, damages, and other losses. Sadly, there are many individuals that may not understand how they should proceed following one of these accidents. When this is the case, it can be easy to make simple mistakes or oversights that may compromise your ability to receive full compensation for your damages. To help you be better prepared in the event that you are involved in an auto accident, you should understand the answers to some basic but important questions. Why Should You Have Your Initial Settlement Offer Reviewed By Your Attorney? In many instances, the other party’s insurance will approach you and quickly attempt to resolve the claim. However, it is important for you to be mindful of the fact that the insurance company exists to make a profit. As a result, their settlement offers are often unlikely to represent the full value of your claim. It is important to note that once you accept the settlement offer, you will surrender your rights to sue. To protect yourself against low settlement offers, you should always have the offer reviewed by an auto accident attorney. They will have the experience needed to better gauge whether the initial offer is fair for the damages that you suffered. What If The Other Party’s Insurance Policy Does Not Cover All Of The Damages From The Accident? In particularly severe accidents, it can be possible for your damages to quickly exceed the insurance policy limits of the other driver. When this is the case, it should be noted that you will likely need to pursue a civil lawsuit against the other driver. While you may not like the idea of pursuing a lawsuit, it is important to note that the other party’s insurance is only responsible up to the stated policy limits, which means that the other driver will be personally liable for any damages that exceed these limits. How Will You Pay The Court Expenses Of Going Through The Trial? It is no secret that pursuing a lawsuit can be an expensive endeavor to go through. Sadly, some individuals will let these expenses intimidate them to the point of being hesitant about pursuing the matter. Fortunately, it is common practice for attorneys to pay these expenses for their clients and take reimbursement once the case settles. This type of billing arrangement is known as a contingency fee, and it will allow you to pursue justice without having to pay out-of-pocket...

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How To Be Safe While Cycling At Night

Posted by on 11:26 am in Uncategorized | Comments Off on How To Be Safe While Cycling At Night

It’s no-brainer that a cyclist is more likely to suffer serious injuries than the driver of a car when the two collide. The risk increases even more at night due to reduced viability. Take these three precautions to improve your safety while cycling at night. Increase Your Visibility Even if you may be aware of other road users, you can still get into an accident if they don’t notice you. Therefore, improving your visibility is a good way to prevent crashes. Here are some of the measures that will make you more visible on the road: Buy reflective tape and add it to different parts of your body, bike, and even backpack. Make sure both front and rear lights are operational. Wear reflective clothing. Make sure you have reflectors that are neither dirty nor cracked. Wear Clear Glasses Cycling glasses aren’t just fashion accessories; they also form part of your safety gear. The glasses improve your vision by keeping the wind, dust, insect and other debris out of your eyes. Unfortunately, the dark glasses that most people use for daytime cycling aren’t suitable for nighttime cycling. Choose a pair of clear glasses if you want to keep the debris and wind out of your eyes at night. Stick To Routes You Know Well Even if your lights are working perfectly and the street is well lit, nighttime visibility might not match daytime visibility. Therefore, there is still the odd chance that you will hit a rock or a pothole. As such, it makes sense to stick to roads or paths you already know well if you have to cycle at night. For example, if you are cycling to work for your overnight shift, take the path you usually take during the day. Here are some of the road dangers you will instinctively know if you stick to the familiar route: Sections of the road filled with potholes and cracks. The places where the road is likely to be filled with debris, for example, autumn foliage. The sections of the road where road signs are likely to be missing. Hopefully, the above precautions will help you to avoid road accidents while cycling at night. If you do get in an accident, don’t admit liability even if you think the accident was your fault. Rather, get the contacts of the other party involved in the accident, pictures of the accident scene, witnesses’ contact information, and consult a lawyer like Hardee and Hardee LLP that can help you build a personal injury...

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Facing Drug Charges? 3 Tips For Those Seeking Alternative Sentences

Posted by on 8:22 am in Uncategorized | Comments Off on Facing Drug Charges? 3 Tips For Those Seeking Alternative Sentences

If you’re being charged for selling drugs or drug possession, you may be feeling worried about the results of your hearing. Since many people end up going to jail because of crimes related to drugs, it is something that you will want to take seriously. Thankfully, the court does allow people to avoid jail with alternative sentences, such as community service, house arrest, drug rehabilitation, or probation. If you are hoping to get one of these alternative sentences, don’t assume you’ll be lucky when it comes to your sentencing. These tips could help you get the alternative sentence that you are seeking.  Hire An Attorney ASAP Don’t make the mistake of thinking you are capable of handling your court case on your own. You should hire an attorney as quickly as you can. They can assist with navigating the legal process for you, as well as speak for you when it comes to seeking alternative sentencing from a judge. The more time your attorney has to research your case, the more guidance they will be able to give you about what needs to be done. It’s the best way to get the best defense possible. Stop Using Drugs You must kick your drug habit before your court date. You do not want to give your judge a reason to suspect that you’re still using, and an additional drug charge will make it harder to seek alternative sentencing. A judge is also more likely to be forgiving if it is your first and only drug charge, and additional charges will show that you have not changed your ways. In addition, sentencing such as probation will require that you take a supervised drug test and pass it. If you end up being offered probation and blow your chance due to having drugs in your system, you will definitely not have the judge on your side. Document The Help You Receive Taking steps to quit your drug use is important, but it is also important that you document all the help you receive. This includes receiving counseling about substance abuse, going to meetings for people struggling with addiction, or even going to outpatient rehab. Taking these steps will help prove to your judge that you’re serious about making changes to your life, but if they are not documented, it may not mean much in court. For more tips about reducing a drug charge to an alternative sentence, work with your...

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Student Loan Forgiveness With Social Security Disability

Posted by on 5:19 am in Uncategorized | Comments Off on Student Loan Forgiveness With Social Security Disability

If you are now unable to work because of a medical condition, the same avenue of financial support that assists you with monthly payments can now help you with your student loan debt. For those who qualify for Social Security Disability, you may also qualify for a program that forgives your student loan. You should understand, however, that receiving Social Security Disability benefits does not automatically mean student loan forgiveness. For a better understanding of the Total and Permanent Disability Discharge Program (TPD), read on. The Total and Permanent Disability Discharge Program (TPD) While getting through the Social Security Disability application process may have been hard, the qualifications for the TPD program are even more difficult to achieve. The SSA offers two different programs, the Supplemental Security Insurance program (SSI) and the Social Security Disability Insurance program (SSDI), and both of these can qualify you for the TPD program. To qualify for either of these programs (SSI and SSDI) you must be unable to work for at least one year; to further qualify for the TPD program, you must be unable to work for at least five years. You may qualify for the TPD program immediately if you also qualify for the Social Security Administration’s Medical Improvement Not Expected program, which grants special benefits to those with severe and/or terminal medical conditions.    What to Know About the TPD Program 1. Only four types of student loans are eligible for the TPD program: Teacher Education Assistance for College and Higher Education (TEACH) Grant Service William D. Ford Federal Direct Loan Program Federal Perkins Loans Federal Family Education Loan (FFEL) 2. If you have more than one student loan, you must submit a separate application for each loan. 3. Just as with Social Security, your income will be monitored and you cannot earn more than a certain amount, which can change yearly and is based on the cost of living. 4. Your ability to qualify for a new student loan will be greatly impacted, and may be difficult if not impossible. 5. The TPD program may be applied for online. 6. Once you contact the TPD program, collection activity will be suspended, at least temporarily, for 120 days. You have 120 days to get your entire application package submitted, or the collection activity will resume once again. If you are having trouble getting Social Security benefits, contact a Social Security attorney, like Horn & Kelley, PC Attorneys at Law, for assistance. You cannot qualify for the TPD program without qualifying for Social Security, so get the help you need to qualify for these important...

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Protecting Your Assets From The High Cost Of Nursing Home Care

Posted by on 1:56 pm in Uncategorized | Comments Off on Protecting Your Assets From The High Cost Of Nursing Home Care

As you get older, it’s important to prepare for a time when you might need nursing home care. If you have assets, you should understand that if you need a nursing home, you will be responsible for paying an average of $6,844 for a semi-private room. Your assets get spent until you have no money left, unless you create an estate plan that protects your assets and allows you to qualify for Medicaid in order to pay for nursing home costs.  The Five Year Look Back Period If you find yourself suddenly in need of nursing home care, you can’t just give away your assets and get approved for Medicaid. There is a five year look back period to receive Medicaid benefits. This means that any assets that were transferred within the last five years appear as if they were given away as an attempt to avoid paying for nursing home costs. While this may not be the case, you have to be careful when you give away assets. If your assets were transferred more than five years before you need nursing home care, then you are more likely to qualify for Medicaid without any problems. Household Goods and Personal Property Not everything you own has to be liquidated in order to pay for nursing home costs. This means that you can give away most of your household goods and personal effects and still qualify for Medicaid. In some states, you can even give away a car and not have the asset count towards your Medicaid application. If you own a home and your spouse still lives in it, you don’t have to sell your home to pay for your care. The home can be transferred to your spouse, or to a child who has been living with you for a period of at least two years without penalty. If you were living alone and you are no longer going to live in your home, this is an asset that can be considered in your Medicaid application unless an irrevocable trust was set up. Setting Up an Irrevocable Medicaid Trust An irrevocable Medicaid trust is a trust that is set up to hold your assets should you need to qualify for Medicaid. All assets that are transferred to the irrevocable Medicaid trust are subject to the five year look back period, as changes to Medicaid have prevented people from hiding assets in a trust in order to qualify for the program. If assets were transferred more than five years prior, the assets will not count towards Medicaid eligibility, so it’s important to plan ahead with an estate attorney, like those at Lynn Jackson Shultz & Lebrun...

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4 Ways A Lawyer Can Help After A Coworker Starts A False Rumor

Posted by on 10:14 am in Uncategorized | Comments Off on 4 Ways A Lawyer Can Help After A Coworker Starts A False Rumor

Are you thinking about quitting your job due to the embarrassment of a false rumor that a coworker started about you? Rather than quitting your job, you can seek justice against the person that started the rumor by filing a lawsuit. The first thing that you should do is hire a lawyer so he or she can help you build a strong case. In this article, you will learn about a few of the things a personal injury lawyer can do to help you get justice. 1. Determine if the Rumor is False In order for you to have a strong case against the person that started the rumor, it must be completely false. If any aspect of the rumor is true, you might not have a strong case. A lawyer will ask you several questions concerning the rumor and you must be completely honest when answering. You must keep in mind that holding information back can weaken your case, as the other party can bring it up in court and your lawyer won’t be properly prepared. 2. Discover How the Rumor Has Affected Your Life If the lawyer accepts your case, he or she will want to know details about how the false rumor has affected your life. For instance, if you have stopped being social with other people because of the rumor, it can be considered for compensation. You can also get compensated for counseling, defamation of character, and any physical health problems that the rumor has caused from stress. 3. Look For Witnesses You can expect your lawyer to investigate the situation in an attempt to find witnesses. He or she might speak to a few of your coworkers to find out what kind of information they can provide about the false rumor. People that know your coworker outside of work will also be contacted in case they can act as witnesses. 4. Try to Settle Out of Court Contacting your coworker or his or her lawyer about the situation will be done after your case has been built. The lawyer will try to handle the situation outside of court through mediation, as it can lead to a faster settlement. However, the case will likely go to court if the other party refuses to attend mediation or doesn’t come to a satisfactory agreement. Make an appointment to discuss the false rumor with a personal injury lawyer as soon as you are...

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Mistrials In Personal Injury Cases

Posted by on 6:06 am in Uncategorized | Comments Off on Mistrials In Personal Injury Cases

There are a lot of things that can wrong when you take a civil case trial—that may be one of the reasons that the vast majority of personal injury cases settle out of court. One major thing that can derail your personal injury claim is a mistrial. Learn more about why mistrials occur and what to expect if it does. Mistrials are declared when a fair verdict is impossible. A mistrial stops a trial from continuing—and it can occur at any stage of the trial—whether it’s just at the beginning during jury selection or all the way after the jury starts deliberating on a verdict. Because trials are costly and time-consuming, mistrials are a fairly extreme option and are only used when no other option can give a fair verdict. There are a number of common reasons for mistrials: telling the jury that the defendant’s liability insurance will cover the costs of a personal injury verdict, or even mentioning that the defendant has liability insurance introducing evidence that’s been declared inadmissible in a previous ruling by mentioning it in testimony or during closing arguments the sudden death of someone critical to the case, like the judge, an attorney, one of the witnesses, the defendant, or an expert witness Problems with the jury may be one of the most likely causes of a mistrial, simply because they don’t always follow instructions. For example, a mistrial was recently declared in a prominent California injury trial after some of the jury members talked about the evidence to other people. Judges typically warn against that specific activity in an effort to keep jury members from having their opinions shaped before all the evidence in a case is presented.  Pay careful attention to the judge when a mistrial is declared. If a mistrial is declared, listen very carefully to the judge’s statements about the case. If the case is dismissed without prejudice (which is likely), that means that you are free to bring the case back to court at a later date, but a new trial isn’t ordered. The judge may hope that you and the defendant will come to an agreement without having to start the process over again—particularly if most of the evidence has already been heard. However, if it seems inevitable that the case will need to be retried, the judge may simply start the process over again and schedule the new trial date. You’ll have to go through an entirely new jury selection as well. There may also be additional meetings to discuss whatever issue brought the mistrial into being, in order to resolve the issue and prevent a re-occurrence. If the case is dismissed with prejudice, the judge is saying that it can’t be retried for some reason. At that point, you’ll want to confer with your attorney to find out what the problem is and see if you can appeal the judge’s decision to a higher court. If you need help with your person injury case, go to http://gomezmaylaw.com/ for more information and to talk to an...

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