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...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 it. A person also has an absolute right to give themselves a root canal or remove their appendix, neither of which is a good idea.There is a lot of financial information that needs to go into a Petition including any interest in real estate, personal property of any type or kind, all of your creditors, your financial history for the past couple of years and then there is the Means Test. Figuring out how to do this has confused bankruptcy judges across the country since 2005.Don't forget you have to exempt all of your property or you will lose it. Did you know next year's tax refunds need to be listed and exempted? No? You just lost your refund. Think there might be other things you don't know? Of course there is.Well, even if that is all true, you still can't afford a lawyer. You see a sign on the side of the road or a posting on Craigslist...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...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 you.The Workers Compensation Program has been set up in order to provide assistance to employees who cannot report for work due to an injury sustained while on duty. The procedure as well as the amount for this usually varies from one state to the next. Although filing for a claim may sound very easy, it very rarely is. For one, there is always a possibility of your claim getting denied especially if there is not enough proof that the injury sustained was work-related. In instances like this, it pays to have someone to help you make an appeal.Looking for a workers compensation lawyer need not be a daunting task. You can always seek referrals from family and friends as well as go through your local yellow pages. Another way to find a workers compensation lawyer would be to get in touch with professional organizations as well as your local union and seek for referrals. If you do not have the time to get in touch with these institutions,...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
The retirement annuity is the product of our current economic times. In recent years we have seen retirees returning to the workforce in numbers never before seen. Obviously, this is because their retirement accounts did not quite live up to their...more