For many people, bad credit started following them around before they even really knew what credit was. Because credit card companies tend to prey off of young buyers at first, without knowing the ins and outs of debt, you can end up in a black financial hole before you even turn 20, and it can stick with you for a long time depending on your eventual income level. Continue reading “4 Situations Where Bad Credit Makes You Work Harder”
In this modern age, the cell phone has almost become like a third limb. People have their hands, feet, and their phones seemed to be just as attached somehow. It can become more than just a habit to constantly look at your phone. It can become a full-fledged addiction. Continue reading “4 Ways To Cut Back On Your Cell Phone Addiction”
Everyone has to go shopping at some time in their life. There’s just no way around it. You need food, you need clothing, and there are many other things people need to buy in order to survive. Even if you make your own clothes, you still have to buy the material! Continue reading “Finding Better Value In Your Shopping Habits”
Everybody needs to buy shoes, especially when you live in a society where it is commonplace to cover your feet. Since you need shoes, it makes sense that you would want to save as much money as possible when acquiring some, especially when shoes aren’t made to last forever. Continue reading “A Few Ways To Save Money Shoe Shopping”
2016 has only just begun and you’ve probably made some resolutions in order to start your year off on the right foot. For some, this might include cutting back on the amount of sugar eaten, for others it might include going to the gym at least 3 times a week. Continue reading “Ways to Get the Most Bang for Your Buck in 2016”
When you file for bankruptcy, the goal is to eliminate excessive debt entirely or to agree to debt repayment with the assistance of the court. However, there are certain debts that cannot be eliminated, such as child support and payment to injured parties in a lawsuit, and debtors may also experience other financial repercussions from this process. But can those repercussions extend beyond the life of the bankrupt individual? How should bankruptcy be accounted for in your will?
This article has been removed due to a dispute between the site owner and the marketing agency who contacted me on behalf of their client.
A will that outlines your wishes in the event of your death is one of the most important documents you will create in your lifetime. It doesn’t matter how much you have acquired during the course of your life; this document will outline what you would like to have happen to the possessions you do have. Here are some tips for writing your own will.
There are some circumstances in life where getting lawyers involved seems to be the most logical solution. While legal professionals certainly have their place and can be very helpful in settling many matters, it’s best to think carefully before rushing into your local law firm. Asking yourself some key questions will help you:
• Prepare for your initial consultation
• Ensure you are seeing the right lawyer
• Help you confirm that seeking legal advice is indeed your best cause of action.
Here are five of the core things to consider.
1. Which Area Of Law Is Relevant To You?
The field of law is extremely broad. When seeking a legal representative, make sure you are looking for professionals in the right niche. For example, if your liberties have been violated, you should seek a civil rights attorney. If you’ve been injured in a car accident, you should look for a personal injury firm, such as Sinnamon Lawyers. Understanding which specific area of law your case falls under will help you find the most appropriate lawyer.
2. Have You Got Your Story Straight?
Piecing your story together can be a frustrating and time-consuming process for both you and your chosen lawyer. To help things run smoothly and give your law firm clarity, it’s a great idea to pre-emptively write a comprehensive summary of the circumstances that have led you to seek legal representation. Include all relevant details, including the names and contact details of third parties involved, dates and times, specific locations, and anything else you feel would be essential for your lawyer to know.
3. Could You Handle It Yourself?
Depending on your circumstances, you might consider representing yourself instead of hiring a law firm. If you have the time, resources and legal knowledge to do so, this is certainly an avenue worth thinking about. However, keep in mind that courtrooms can be quite intimidating places for the inexperienced, so self-representation definitely isn’t for everyone!
4. Is The Time And Effort Worth The Costs?
While many firms operate with a ‘no win, no fee’ policy, this isn’t always the case. In any event, the time and emotional energy poured into legal proceedings can never be bought back, particularly if your lawsuit ends up going nowhere. Seeking legal advice is a good way to clarify if a tricky case is worth pursuing, but if just a little objective thinking can reveal that your efforts won’t amount to anything, it might be best to skip the initial consultation altogether and focus on moving on with your life.
5. Have You Chosen A Firm You Can Rely On?
Sadly, not every legal agency delivers great results and service. If you have decided to go through with seeking legal advice, you certainly don’t want a dud lawyer. When choosing between the firms in your area, look for companies that have a reputation for excellence. Many will claim to be the best, but fewer will back this up with evidence – consistently positive outcomes and testimonies from satisfied clients are two of the things to look for.
What kind of things do you stop to consider when you seek legal advice? Share your tips and past experiences in the comments below to help out other readers.
The retail banking market in the UK is currently dominated by huge global organisations, such as Barclays, Lloyds, and HSBC. Smaller, local banks are often overlooked for these major chains. This article by Misys examines how even in emerging markets such as the Philippines, global banks are taking over and posing a strong threat to local banking businesses.