A misdemeanor isn't as weighty as other crimes but you can be charged for it and this will become part of your permanent record. Luckily, you can combat it with the help of a criminal defense lawyer. When you're charted with a misdemeanor, you're given a citation that declares the date and time that you'll appear in courtroom. Do you have to see a lawyer? Some people do this promptly so they can be guided throughout the...more
Lower expenses could put more cash in your pocket. If your home isn't paid off yet, have you considered how much money is going toward the home loan? The typical mortgage payment in the U.S. represents about 30% of gross income and about 50% of after-tax income.1 When you move to a smaller home, your mortgage expenses may diminish and your cash flow may greatly increase – and don't forget about interest savings over the life of...more
70% of people currently over age 65 will require some long term care someday. That is the estimate of the U.S. Administration on Aging, a division of the U.S. Department of Health & Human Services.1Will Medicare or private health insurance pay for it? The short answer is "no".In the decades ahead, baby boomers will reach their seventies, eighties and nineties. With aging parents of their own, some are learning how much long term care really costs. Some are still unaware.How many of us are financially prepared for the possibility? Here are a couple of "averages" to consider from MetLife's 2009 survey of LTC costs. The average annual cost of nursing home care is now $79,935 or $219 per day. That's up 3.3% from 2008. The average nursing home stay is about 2.5 years, which means you would need roughly $200,000 to pay those bills.2Can you imagine paying it out of pocket? Taking out a reverse mortgage to do it? Using Medicaid because you have nothing left? No one wants these financial circumstances. The clear answer is long term care insurance coverage.How expensive is LTC coverage? Annually, it typically costs about as much as a cheap used car. MarketWatch cited an...more
When you have no experience investing in apartment buildings, you may feel a little like Rodney Dangerfield in that you get no respect. When you also have no money it can be even more of an uphill battle to get others to take you seriously. No money and no experience make a strong double negative. But the reality is, most of us...more
Construction accidents can ostensibly occur in any work atmosphere, with the responsibility for providing a safe working environment resting on the shoulders of the employer. The OSHA (Occupations Safety and Heath Administration) assumes that there will be over 1,000 construction workers that will suffer a work-related fatality this...more
Be it investment in IPO shares or any mutual fund, there are certain things to be kept in mind before you invest your money.IPO investmentIt is challenging to analyze an IPO stock as it does not have much historical background. Red herring is one of the documents you can rely on for information related to various IPO issues. You should know about the management team and how they plan to utilize the money collected through IPO offer. Try to gather information about the company in whose IPOs you want to invest. Companies with good future prospects usually hire reputed underwrites for their IPO issue. The reputation of underwriters would also help you to decide whether the company is financially viable. Mutual fund investmentBefore you invest in any mutual fund, you should know what a mutual fund is. You should also know how direct investment in various securities differs from investment in any mutual fund. Information about reputed mutual fund companies and their investment strategies is also necessary. You should know that mutual funds are a way through which small investors to buy high priced stocks that they were otherwise not able to afford. Mutual fund companies...more
Have you been overcharged for legal advice? Do you want how to get cheaper fees for the same services?How to get the best price and quality work from a lawyer?I am not a fan of lawyers charging expensive fees but we need them some time...more
The basics long-term techniques in investing are made mostly by very notable investors such as Warren Buffet, Benjamin Graham and David Dodd.The recent and still going recession in the economy has made a lot of people lose big heaps of...more
People who live in the Ann Arbor area and are involved in an auto accident know that the local lawyers are there to provide them with help to recover their loss. Many times people who are involved in an auto accident end up losing their...more
Don't stop saving for retirement. Even if you think you're wealthy enough to forego putting money in your 401(k), you could end up seriously shortchanging your retirement savings potential by reducing your retirement plan balance or...more
When planning ahead for retirement, one possible way to gain a property ideal for a relaxing lifestyle in a beachfront community is through a mortgage. The good news is that several properties excellent forPlaya del Carmen retirement...more
The investment in shares or has been popular since the closure of bank consolidation in Nigeria. The Fellowship of Nigeria is among the best in terms of profitability in the world and it is clear from the average return per...more