A Dangerous Products Lawyer Knows About Your Consumer Rights Although almost all consumers value every penny of their hard earned money before it goes out of our pockets and we also take precautions to ensure the quality in our purchases, little do we realize that all products have a question mark on their safety quotient. To understand them better along with the threats they pose to the society at large we can benefit from the presence of...more
Looking for a Lawyer...How Hard Can it Be? One of the lowest pressure ways to start the search for the right lawyer is by talking it over with friends and family who may have been in a similar situation. They will be willing to speak candidly about their experience since they have nothing to gain by promoting a lawyer who cannot do the job well. Be sure to ask several people for their suggestions and do not just choose an attorney based on...more
Foreclosure Investing - Comparing the Risks and the Rewards The mortgage foreclosure process produces three sets of real estate investing opportunities: the "Default/Pre-Foreclosure" phase, the "Auction/Sale" phase and the "REO" phase.Buying pre-foreclosures often involves working directly with the homeowner and sometimes with the lender. Your goal must be to produce a Win-Win scenario. One win is for the homeowners who make a sale and the other win is for yourself because you buy the property at a substantial discount.To execute a successful buy, the following is recommended by the experts: First you need to locate the loans in default. Secondly assess and narrow down your selections to pursue. Thirdly, examine the property and judge the property owner's needs. Fourthly, you need to determine the market value of the property, fix-up costs, potential sales price and profits. The next important step is to arrange default work out by negotiating with the owner and the lender. And last but not the least, make sure to close on the property, repair and resell it as soon as possible.Advantages: If done correctly, it is a great investing opportunity. Discounts can range from 20% to...more
How to File a Chapter 7 Without a Lawyer I understand why people search for help on how to file a Chapter 7 bankruptcy without a lawyer. Money is tight. You don't think you can afford to hire a lawyer. While a person has an absolute right to represent themselves in court including bankruptcy proceedings it doesn't mean you should do...more
So you have set your mind on purchasing and re-selling foreclosures and would likewise want to consider pre-foreclosure homes. The first thing to be aware of is the difference in purchasing homes that are in the pre-foreclosure and those that have already been foreclosed on by a lender typically a bank.Knowledge Is PowerWhen it comes to foreclosure...more
As the name implies, a divorce lawyer specializes in divorces and the laws that regulate the dissolution of marriages. During divorce proceedings, these attorneys are responsible for dividing future and current property and for resolving problems regarding child custody, support and anything else of that nature, such as rights to decision-making.A divorce lawyer should be well versed in the type of divorce proceeding, such as the following:The no-fault divorce: where spouses seek a divorce without either of them having to produce any evidence of fault.The at-fault divorce: In this divorce, one of the spouses must be established at fault to proceed with the divorce. Dependent upon state law, qualifying faults may include infidelity, psychological and/or physical abuse, abandonment, or irreconcilable differences. The type and severity of fault factors into child support payments and property division.A mediated divorce: This is a collaborative divorce and serves as a substitute for a litigious divorce. Most states require a couple attempt mediation before undergoing divorce litigation to allow the parties involved the opportunity to reach a mutually agreed upon resolution before...more
As an employee, you are required to give your work your best shot. Sometimes, however, giving your all can find you getting caught up in a major accident. When this happens, fret not. There is always your states workers compensation program to help...more
Retirement Investment What is the most scary things about retirement, knowing for sure you don't have any idea what if there is no pension fund , health care plans sucks, and most worst is you do not have any idea how to run small business,...more
You might start hearing a lot about an insurance product called a retirement annuity soon, or you may already be hearing about it. This is only to be expected with the current economic climate in the country. The reason that things like retirement...more
There are a variety of reasons one may want to buy a retirement annuity. These products are insurance policies, with the insurable event being your retirement. Upon your retirement, your policy will annuitize, and you will receive monthly payments as...more
The retirement annuity is a product of the economic today climate. The unfortunate result the economy today is that record numbers of our retirees are coming out of retirement and going back to work. It is unfortunate that those who have spent...more
One of the newest products in the retirement market is called a retirement annuity. These relatively new products are designed to supplement your existing retirement accounts such as your traditional IRA, 401(k) and Social Security benefits. Some...more
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