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Consider Buying a 2nd House in Bulgaria Property for Foreigners There are no obstacles for foreigners to get the title for buildings, as well as real rights (right of use, right of construction). Up to now there is only one restriction: it is not allowed by law for foreigners to become owners of the land under the buildings they have bought. They are not allowed to buy agricultural land as well (this is a Constitutional prohibition). This is true for physical persons. All restrictions become irrelevant if foreigners set up or join a company incorporated under the Bulgarian legislation, which…

Working From Home Doesn’t Always Work Working at home is supposed to be the way forward, reducing fuel pollution and avoiding the traffic jams. We can sit in our home office, drinking lots of tea & listening to music while we work without interruptions. With fuel prices rising daily, high speed internet & office real estate soaring, many companies decide to become leaner by allowing some staff to work from their office at home. But does working from home work for everyone? For many people, working from home is the ideal solution in creating a balance between work and life.…

Want to Save Time and Increase Productivity? How Time Tracking Software Can Help Juggling numerous clients and projects can be really hard! Recording work hours on a spreadsheet is time-consuming and inaccurate. Trying to gather team hours is usually a mess. Then there is the frustration of creating billing reports for clients. Fortunately, consultants, programmers, contractors, architects, lawyers, and other professionals are finding an easy solution to these problems: time tracking software. Just hit the button! No more constantly looking at the clock. Simply hit a button to start timing a task and then hit it again to stop if…

Is Chapter 7 Bankruptcy for Me? Changes in the bankruptcy laws have left many to erroneously think that they can no longer declare bankruptcy. This is not true. A chapter 7 bankruptcy can also be referred to as liquidation; although with most cases there is little if any actual liquidation involved. Chapter 7 is referred to as liquidation because all of your non-exempt assets are converted to cash to help pay back the debt owed. It is best to speak with a skilled Texas bankruptcy lawyer if you are unsure whether Chapter 7 is the best option for you. In…

Serious Injury Accidents and Insurance Company Coverage Concerns A serious injury accident can leave you not only physically injured, but can also leave you financially injured. Most of us think that we have insurance to cover such events, and while this is partly true, the insurance companies are primarily concerned with paying as little as possible while transferring the burden of the costs to you. Many people do not fully understand the in’s and out’s of how insurance companies really work. Insurance companies are generally looking to improve their bottom line and thus their stockholders shares. Let us take a…

Debt Relief for the Elderly and Disabled (Note: this is not to be considered legal advice, and it is dealing with the hypothetical “average” elderly and/or disabled person. Each case is unique and to determine the legal ramifications of your individual scenario you should consult an attorney.) Debt settlement, also known as debt negotiation or debt reduction, is a relatively new way for dealing with your debt problems. In a debt settlement program, by negotiating with a creditor, a client can reduce their debt by as much as 50 percent and be debt free in as little as 12 months.…

Even the most careful person in the world can easily find themselves in a situation where their credit score is plummeting. Where’s the bottom at? You really don’t want to know. Instead of focusing on the negative, let’s focus on some useful ways you can begin to work to improve your credit rating. Once you have your bills sorted out and are paying them off, it’s time for you to start reapplying for loans or credit cards. As long as you make all payments on time, these will help you get your credit score back up. However, make sure not…

The Benefits of Unsecured Loans for Debt Consolidation Unsecured loans for debt consolidation are loans that do not require collateral. Debt consolidation loans are claimed to help debtors avoid bankruptcy, eliminate debts, terminate hassling creditors calls, lower debt payments, and one low monthly installment. Of course, no one in their right mind wants to file bankruptcy. Lawyers are notorious for telling people that there is no other way but to file for bankruptcy. Likewise, any source that tells you that they can eliminate debt is leading you on. Reality is structured to keep everyone in debt. No one has the…

The Asbestos Disaster – Who Is To Blame The ancient Greeks, Romans and Egyptians were all aware of the health dangers of asbestos. It seems strange that the asbestos industry in many parts of the world chose to ignore the risks. Even if the ancient wisdom had been lost, insurance companies were refusing to insure asbestos workers, or charging higher premiums for them by the 1920’s. 50 Years later some companies in the asbestos industry were still doing nothing to protect their workers. To be fair, the workers themselves had the same access to information as the companies, so must…

On most days, I don’t bother to check a live traffic report before I take a trip, but something about that day was different Still, something about that fateful day made me worry about getting into a traffic accident. Although the weather seemed to be good, there was a chance of a late afternoon storm. I decided to take the risk and drive anyway. I was going to my grandmother’s house, and I didn’t get to visit her that often. She was sick and would really like to see me. The supposedly unlikely storm actually came on quite suddenly. It…