Legal Issue?

In this article I will be explaining how to go about finding a lawyer that suits your case. First of all I would like to say that lawyers have many responsibilities. They include oral arguments in courts, research and drafting of court papers, advocacy in administrative hearings, client intake and counseling, giving legal advice and protecting intellectual property. When on your journey to finding a lawyer make sure you know their areas of speciality and their background as well. Keep inmind that some general lawyers may not even admit that they are not the best person to represent your interests in a particular matter.

The most popular way to finding a lawyer is through recommendations. There's also alot of reliable resources online. You can check to see if a lawyer's business is actually registered within your local BBB. When you browse through lawyers write down their information. Then you need to arrange a brief meeting with the potential prospect. Some lawyers might agree for a one time consultation. During that consultation you should request a list of the lawyer's previous clients. Have the lawyers cite specefic cases where they have might been similar to yours. Examine their background which includes their education. During the process of picking the best lawyer for your case compare. Compare creditials, accesability, flexibility and personality.

About Mortgages

Mortgages are loans given out to pay for real estate property. They're different types of mortgage loans. The most common types of mortgage loans are fixed-rate and simple interest. There is also Balloon mortgages in which the loan sum must be repaid in full after a few years of small monthly payments. Wrap- around mortgages is another type where the lender takes the mortgage that already exists. Mortgages are a long time commitment and should be thought through. These loans are offered as either fifteen or thirty years.

The first step before looking for a mortgage is fixing your credit history by improving it or fixing up the original damages. Allow yourself six months to do so. You should also look into first time buyer's programs. Most states offer first time home buyer's programs and they're pretty easy to locate.

The next step would be to shop around for rates and terms. This would fall in line with getting pre approved for the loan. Many times Realtors will pick a lender for you and help you get caught up in the process. When going through the process for getting approved for your loan you should be aware of subprime loans. Some lenders may offer this because they're more profitable for the company, but less ethical mortgages for the home buyers. Always educate yourself before every move that you make. Educate yourself on what your rates might be based on your credit history. Also, look for a loan from your own personal bank. Even with your credit history being slightly damaged your personal bank can qualify you for better loans than another lending company.

Some home buyers take out the largest amount of loan funds because their lending company says that they can afford it. Keep in mind that you know what you can afford better than they can. When you began to calculate payments for your home add $300.00 onto your payments. This amount will cover property taxes and insurance. You will also be paying your water bill for the first time that will be the highest as well as your electric bill. Dealing with lenders you should be aware of their junk fees that may be added on. Some fees may be legitimate and some may be inflated. Closing day for your mortgage will be the day when you are expected to write a check for expenses that generally include lawyer's fees, taxes, title insurance, prepaid homeowners insurance, points and other lenders' fees. Make sure you can afford all of these things! Knowing exactly how much you can afford can save you from a foreclosure nightmare.

College Student Debt

Attending college can earn you a degree, but it can also be very costly. It takes the average college graduate ten years to pay back their borrowed college tuition. I've read up on many options for you if you're sinking in the college debt boat.

There are three options for your debt. They are consolidation, a repayment plan or loan forgiveness. I will begin to explain how to go about consolidating your student loans. You must remember that private loans and federal loans must be kept separate. They can't be consolidated together. Consolidation is when you have many loans that are lumped together into one payment. This may be a good option for you. The grace period that students usually get after graduation usually isn't enough time which is usually about six months. Many college graduates go with consolidation.

People find repayment plans helpful as well. With Lenders they might be willing to help you by offering you a nice payment plan option. You can negotiate by budgeting. Let lenders know how much you are able and willing to pay monthly. When considering a repayment plan you should keep a record, communicate with the lender, look for ways to increase your ability to pay and to take advantage of the abudance of free expert assistance that you can call upon to help you deal with your student debt. You can also contact a financial advisor at the school that you've graduated from.

Loan forgiveness. You can qualify for loan forgiveness through government programs such as teaching in disadvantaged areas, disability, volunteering for Vista, volunteering for the Peacecorp, military service, medicine, law or fraud.

One thing that you shouldn't do is default on your student loans. If your loans become delinquent then you can risk your credit score being affected negatively. Good luck!

The funniest woman in the world

In this article I will be talking about Moms Mabley. This might be a new name to most people. Moms Mabley was called the "funniest woman in the world." She was the first African-American comedian to find a wide audience.

Mabley was born Loretta Mary Aiken into a large family of twelve children. Mabley had a traumatic experience in which she was raped at age fifteen. She was reportedly raped twice and had two children that were given up for adoption. After being pressured to marry a older man by her father she was encouraged by her grandmother to free herself. She then ran away to Cleveland, Ohio with a traveling minstrel show where she began entertaining.

She got her stage name from an early boyfriend whose name was Jackie Mabley. In a 1970s interview she explained that he had taken so much from her that the least she could do was to take his name. It was later that people started to put "Moms" in front of Mabley. She was considered a "Mom" to many other comedians on the circuit in the 1950s and 60s.

It was during the 1920s and the 30s where she appeared in androgynous clothing. At age twenty-seven she came out as a lesbian also becoming one of the first triple-X rated comedians on the comedy circuit. She had recorded several of her early "lesbian stand-up" routines recording more than 20 albums. She was one of the most successful entertainers earning $10,000 a week at Harlem's Apollo Theatre at the height of her career. She was the first comedian to play the famed theatre. She was unique in her comedy where she tackled topics too edgy for many other comedians of the time that included racism, sex and off color language. She was the perfect example of using humor to overcome misfortune. Much of her material reflected on her teen years.

In 1960, Chess Records release Moms Mabley: Funniest Woman in the World, which was a live recorded performance gave in Chicago. The album sold more than one million copies.

Auto Insurance

Choosing auto insurance is no easy task whether you're sixteen or thirty five. If you're getting help from a parent they might be looking to add you to their insurance. When purchasing a car you definitely need car insurance. If you don't have it don't drive.

Before purchasing car insurance there are alot of factors to consider: type of car, your driving record and your budget. There are many types of auto insurance. You will be purchasing a policy which is based on the factors I listed above. Its alot to understand about an auto insurance policy. You must learn the types of coverage insurance companies offer.

Liability. Liability is the coverage in which you pay for accidental bodily injury and property damages to others. Liability includes medical expenses, pain, suffering and lost wages. Property damage includes damaged property and automobiles. It pays for defense and court fees. The state laws determines how much liability coverage you must purchase.

Collision. Collision is the coverage that pays for damages to your vehicle caused by collisions with another vehicle or object.

Comprehensive. This type of coverage pays for loss or damage to the insured vehicle that doesn't occur in an auto accident. The type of damages comprehensive insurance covers include loss caused by fire, wind, hail, flood, vandalism or theft.

Medical coverage. Medical coverage pays for medical expenses regardless of fault when the expenses are cause by an auto accident.

PIP. Personal injury protection is required in some states. This coverage pays medical expenses for the insured driver, regardless of fault, for the treatment due to an auto accident.

Uninsured motorist. This pays for your car's damage when an auto accident is caused by a driver who doesn't have liability insurance. Underinsured motorist pays your car's damages when an auto accident is caused by someone who has insufficient liability insurance.

If you are looking to buy a car you should consider buying a car that might look good to insurance companies. Insurance companies know what types of cars are more prone to have problems and what types of cars are more prone to be stolen. Insurance companies also offer discounts to students with good grades. You can ask about specific discounts that may be available for you.

Lastly, be aware of all of your options. There's alot of insurance companies out there. Don't settle for any company and policy because its extremely cheap. Don't be in such a rush to drive that you don't do your research and end up regretting it later. Since being a car owner and or driver is a huge responsibility be a grown up about it.

Financial Freedom

From my research on debt relief its looks like its just as hard getting out of debt as it is staying out. One problem that prolongs the process of getting out of debt is increasing it. Get rid of all of your credit cards by cutting them in half. The reason that there's no mass of competition among credit card companies is because they all win. If a person has a Visa card they probably have a MasterCard, etc. The best way to manage your money is by budgeting. Keep note of all of your spending. It doesn't' matter how small or how large of an amount you spend write it down! Though budgeting is easier said than done realize that you need to make this a habit.

When preparing your budget you should categorize your spending for each month. Be logical when writing it. You can keep it real simple by having a list of household expenses and then personal expenses. Make sure you have more available for your household expenses. Using estimates work best. You don't want to be the person who has nice new clothes with no lights.

Unlike most who write articles about relieving some of your debt I won't recommend consolidation companies and credit counseling as your first option. Even though there are some legit companies out there, there's also companies that get rich from the fees you pay. Don't fall victim to debt relief scams. A better way to go about it would be to make this type of method a last resort and to make sure that any company you choose is listed under the BBB.

I personally know the feeling of being harassed by creditors. They call your cell, work and home number back to back. My advice would be to either call them back or write them to save your sanity. Some creditors are actually willing to help you if you tell them that you need help. Though keep in mind that you might not have to pay as much interest with settlement payments, but you will still pay some interests. When dealing with credit cards especially due to the fact that any credit card you own you are actually paying to use it. This is how companies make their money.

Going back old school is the best choice. If you want something you should save up for it then buy it. Paying for an item is always the safe way to go about it.

Credit Cards

When I hear the words Credit Cards I automatically think "bad decision." In this article I will talk about both advantages and disadvantages of credit cards. In my opinion there are far more disadvantages than advantages. First of all I would like to say that credit card companies even know their credit cards are bad. The way the credit system is structured is alittle bit confusing to me. You have to somewhat stay in debt to raise your credit score.
Credit cards can be useful for emergencies. There are some that even offer benefits such as discounts to stores, travel discounts and special insurances. Credit cards can also help you establish a good credit score. It's about responsibility, but it's all very much a gamble too. Credit cards can eliminate the need to carry around large sums of cash. If you're a person who doesn't like to carry large sums of cash then a prepaid debit card is for you. There are many good cards to choose from out there. They're very accessible. Credit cards act as short term loans which can be very helpful when finding a bargain in the store and not having enough cash on you at the time.
Now I will be focusing on the disadvantages of credit cards. Some credit cards depending on your score can give you higher interest rates which means it can easily be turned into increased debt. The biggest advantage of a credit card would be not owning one to begin with. You will then be avoiding the trap of revolving debt. I think credit card companies try to overwhelm people who have had good credit history. What they do is sometimes give people more buying power with increasing the spending limit. Temptation is what I like to refer to it as. Some companies even give credit cards to people who have no income or very little credit history. These bloodsuckers have gotten so blood hungry that there's now credit cards you can get easily even with bad credit. Credit cards encourage people to spend money that they don't have. Studies have shown that the average American consumer has five credit cards and owe over $10,000 in credit card debt. Alot of people might move towards owning a credit card because they find it alot more easier than applying for a loan at a bank or credit union. A credit card is an easy way out and I think of many of the companies as loan sharks. Though credit cards would be an easier way to go about getting a loan a bank or credit union will actually provide you with a much lower interest rate. I remember my first credit card. I was eighteen and irresponsible. I thought of my credit card as being my friend, always there to come to my rescue. When my bill had came and I saw the interest rates is when I realized that friends easily become enemies.