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Why Are More People Seeking Help From Consumer Credit Counselors? The emergence on consumer credit counseling over the past few decades is mainly due to the increasing number of Americans who continue to charge their way into unmanageable debt. This is not to say that there aren’t some families and individuals who have ended up in debt due to no fault of their own – whether it is due to high medical bills, illness, death or a change in family status. But most end up in debt because of charging too much on credit cards and store cards and buying…

Can You Handle The Truth One of the things that I’ve noticed today in society is that everyone has a problem with the truth. I don’t mean we walk around lying all the time, but we are always afraid of hurting someone’s feelings or becoming entangled in some sort of confrontation with the person we are speaking with or better yet the person we’re living with. Sometimes we are concerned about someone’s reaction to us so we bend the truth or poke around trying to figure out what that person wants to hear. It really starts to become a problem…

Your Will Is The Core Of Estate Planning An estate plan is a legal system for the disposal of your property upon your death. It recognizes your wishes, such as those regarding the care of minors, and it legally minimizes taxes. It can take into account your views regarding future medical care; for example, it may state you have no wish to have your life sustained by a life support machine. Estate planning may or may not involve tax planning. The single most important document associated with estate planning is a will. If you own property, there are basic questions…

LLC vs. S Corporation “S Corporation or LLC?” is a common question for new business owners. I have several people call me each week asking this. I always tell them the question is impossible to answer. And here’s why. An LLC is chameleon for income tax purposes. Therefore, an LLC can be anything the owner or owners (who are called members) want the LLC to be—including an S corporation. An LLC with one owner, for example, can be a sole proprietorship, a C corporation or an S Corporation. And an LLC with multiple owners can be a partnership, a C…

Royal Canadian Mint Introduces Palladium Maple Leaf Coins In early November, the Royal Canadian Mint struck for the first time legal tender palladium coins. The Royal Canadian Mint is one of the world’s premier mints, and the Palladium Maple Leafs ad to the Mint’s stellar line of coins. (The Mint’s Gold Maple Leafs are the world’s best-selling 24-karat gold bullion coins.) The first run of Palladium Maple Leafs will be dated 2005 and limited to 40,000 coins. Only one size of Palladium Maple Leaf coins will be minted: a one ounce coin with a legal tender value of $50. The…

Tips for Promoting your Home Business Idea or Opportunity By Jimmie Sypolt From the beginning of commerce, businesses have been promoting the ideas and products of other businesses as a way to make their own business a successful one. For example, you may see that a real-estate company may promote a particular lawyer in order to close a sale while that lawyer will also promote that real estate company in his firm. Everyone has heard of the barter system and may have thought that this system is outdated and is not used anymore. However, with modern technology, the barter system…

Cases Involving Defective Products Each year, millions of people are being harmed by defective products. A defective product is a product that causes injury or harm to a person. A product may be considered to be defective for many different reasons such as design defect, failure to warn, failure to guard, unfit for intended use, defect in construction, or a defect in materials. With this, defective product claims can be based on negligence, strict liability, or breach of warranty of fitness depending on the jurisdiction within which the claim is based. No matter how big or small, you must file…

Studying Tips: The Strategies Of Successful Students Part of doing what I do means that I get a lot of time to study successful people at the top of their game. One type that I really like to study is successful students that I can learn better studying techniques from. Lucky for me, being based in Oxford I have no shortage of students to study. Here are some tips that I have picked up over time. I hope that they will help you if you are studying at the moment. 1. Location, location, location… Find a place to study that…

Choosing your Divorce Method The biggest mistake that people make when getting divorced is that they fail to plan. They simply decide to leave the relationship and then enter and ugly and expensive battle that ends up hurting everyone involved. There are some things that you could accidentally do that will make your divorce 100 time more miserable than it really has to be. As with anything in life, you need to have a plan. The same is true for divorce. If you dont plan for what you want – chances are you won’t get what you want. The first…

Is Homeschooling legal? Without a doubt, homeschooling is legal in all the 50 States of the U.s. But, that is just about where the similarity ends. Laws and regulations regarding homeschooling vary from state to state. Interpretations of these laws can vary from scholl district to school district. Additionally, these laws may change every year. The National Home Education network is a wonderful resource when it comes to the legalities of homeschooling. It has a listing of the actual state laws for each state in the U.S. Reading the laws that pertain to your state is perhaps the best way…