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Dad Said It’s Important to Secure Your Financial Future

Written by Mark Hoppus

My dad told me early on that the only way to not struggle in life is to start saving young and learn the stock market. Initially, I spent my time partying and living the good life instead. Dad sat me down one day and showed me just how little future money I would have thanks to my ignoring my finances. This is what got through to me and shook me up a bit. He said that he would show me how to use a stock pair trade finder so that I would have a leg up with trading. I wondered if I was smart enough to understand how it all works.

I was never good in math in school. I also had trouble with focusing and being easily distracted. (more…)

¶ Featured post

A Bookkeeper for My Landscaping Business

Written by Mark Hoppus

I had always dreamed of opening my own business, so it was no surprise when I did that at the age of 20. I know that is a bit young to have your own company, but I knew that I did not need to go to university just to have my own landscaping business. I love being outside, and I had already established myself as a dependable and competent grounds person. I started to get more work, and I knew that I was going to need to find a company that does bookkeeping in Brisbane because it was just getting to be too much for me.

It was nothing for me to figure out wages when I was my only worker. After paying taxes and investing in more equipment, the profit was mine to keep. I started to get too many clients though, and I hired eight people by the time I was 23 years old. (more…)

Tips And Advice When Bankruptcy Is In The Picture

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Tips And Advice When Bankruptcy Is In The Picture

Tips And Advice When Bankruptcy Is In The Picture

Even when faced with dire financial consequences, many people fear the prospect of filing personal bankruptcy. The key to defeating what can, often be, crippling anxiety is familiarizing yourself with the process and its potential benefits. Use the tips in this article to alleviate your fears and do what is necessary to get a fresh financial start.

Seriously consider if bankruptcy is the right choice for you. If you do not owe too much in credit card debt and medical bills, you might be able to handle the debts yourself with credit counselors and payment arrangements. Bankruptcy can be a serious financial choice, so make sure you consider all your options carefully.

A great tip for filers of personal bankruptcy is to thoroughly prepare for the initial meeting with the bankruptcy attorney. By assembling every piece of relevant financial documentation, including mortgage documents, auto finance agreements, credit card statements, tax records and bank statements, you can be certain that your bankruptcy petition and supporting documentation includes all information required for a comprehensive filing. (more…)

Cover Your Assets! Top Tips For Filing For Bankruptcy

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Cover Your Assets! Top Tips For Filing For Bankruptcy

Cover Your Assets! Top Tips For Filing For Bankruptcy

For most people, the concept of filing personal bankruptcy is something that evokes worry, uncertainty and even fear. The best way to combat those emotions and make a wise financial decision is to gain an understanding of precisely what the bankruptcy process entails for consumers. By using the tips and guidance in the article that follows, it is possible to approach bankruptcy with a fresh, well-informed perspective.

Laws regarding bankruptcy vary by state, so you need to find a lawyer that can walk you through the entire process and help keep your rights protected. In several cases, you can keep your car and your home, but it’s your attorney that will tell you what rights you have, what you can keep, and what you will need to surrender.

If you have late payments on credit accounts or accounts that have been sent to collections, you are probably already aware of how insistent creditors can be. After you have filed for bankruptcy, you no longer need to endure the threatening and continuous phone calls from creditors and collection agencies. All you must do is refer them to your attorney who will confirm the bankruptcy for them. After this, it is illegal for creditors to harass you in any way. (more…)

Rock Solid Tips For Avoiding Personal Bankrupcy

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Rock Solid Tips For Avoiding Personal Bankrupcy

Rock Solid Tips For Avoiding Personal Bankrupcy

The decision to file personal bankruptcy is never an easy one. However, it can be the key to ensuring a sound financial future for many who have suffered significant setbacks. By familiarizing yourself with the process of filing a petition and learning everything you can about the dischargeability of particular types of debts, you can begin to recover financial independence. Use the tips in this article to begin the process today.

After filing for bankruptcy, check your credit report to make sure that it was reported the way that it should have been. You want to make sure that any debts that were part of your bankruptcy are now labeled “BK” so creditors know you no longer owe that money.

Think twice if you have struck upon the idea of paying off your taxes by credit card and subsequently filing for personal bankruptcy. In most states, you will still owe money to the IRS and have to take care of the interest of your credit cards. Bear this in mind; if the tax can be discharged, then the debt can be as well. So it does not help you to put the tax bill on your charge card if you know the debt will be discharged anyway.

Prescreen any bankruptcy lawyer before hiring one. Because bankruptcy is an every-growing area of law that attracts new lawyers all the time, you are likely to encounter many new lawyers who do not have much experience. You can check any bankruptcy lawyer’s credentials online and see if they have any disciplinary actions on their record for improper filings or practices. You are also likely to find client ratings. In the matter of choosing a lawyer, one with experience and a positive record is always best. (more…)

The Bankruptcy Tips You Need To Know Right Now

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The Bankruptcy Tips You Need To Know Right Now

The Bankruptcy Tips You Need To Know Right Now

So you admit that you just do not have control of your debt. You know that you want to do something, but are confused as to what you should do. You are considering filing for bankruptcy, but do not know where to begin. Take the time to read the following article to help you get some answers.

Many people do not know that student loans are not dischargeable debt under bankruptcy laws. Do not go into your bankruptcy thinking that your student loans will be discharged, because only in cases of extreme hardship are they considered. If the job you received from pursuing your degree will never allow you to pay off your debt, you may have a chance, but it is highly unlikely.

Exhaust every other option before making the decision to file for personal bankruptcy. There are plenty of other options open to you, like consumer credit counseling. Bankruptcy permanently affects your credit, so avoid filing until you have exhausted all of your other options. (more…)

Personal Bankruptcy Tips Straight From The Pros

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Personal Bankruptcy Tips Straight From The Pros

Personal Bankruptcy Tips Straight From The Pros

If you decide to file for personal bankruptcy, do not panic and assume that you will be homeless with nothing to your name. Always speak with a lawyer when you owe money that you cannot pay. Read this article for more tips on how to handle your personal bankruptcy situation.

A critical tip for anyone considering a personal bankruptcy filing, is to make sure not to wait too long to seek relief. Delaying a bankruptcy filing can result in potentially devastating events , including home foreclosure, wage garnishments, and bank levies. By making a timely decision to file, it is possible to maximize your future financial options. Getting a clean start faster than you may have thought possible.

Consider hiring an attorney who specializes in personal bankruptcy. Although most states allow you to file for bankruptcy without a lawyer, your case could be dismissed if you don’t fill out your paperwork correctly, and you may need to file additional motions to protect your property or discharge certain debts. A bankruptcy attorney can help ensure that you get the outcome you hope for when you file. (more…)