Defend Yourself in a Stock Broker Fraud Lawsuit

Since stock brokers typically represent buyers and sellers in stock transactions on the open market, most stock broker fraud lawsuits concern a breach of the fiduciary duty that brokers and all other professionals owe when they act on someone else's behalf.


When you are behind on paying your debts, a creditor can sue you in court. If you lose, then the creditor can get a court judgment against you and possibly garnish your wages or put a lien on your property.


Defend Yourself in a Mortgage Loan Fraud Lawsuit

If you make mortgage loans, then a borrower could accuse you of fraudulent or predatory practices. In order to defend yourself, you need the help of an experienced attorney.


If you default on a debt, then the lender can sell that debt to a debt buyer. Debt buyers often buy debts for pennies on the dollar owed. They then sue you for the balance of your debt.


Checkbook software can be a great way to get your finances in order. This software is designed to import and manage your bank account information for budgeting and accounting purposes.


Get a Checking Account if You're Listed in Chexsystems

ChexSystems is a reporting agency that reports on activity related to checking, savings and other deposit accounts. If you have a history of writing bad checks, going into overdraft, or being charged NSF fees, you may end up with a record in the ChexSystems database.


A cashier's check is a check that is a drawn on a bank's funds rather than your own personal funds. It offers a secure way to pay in situations where a personal check is not appropriate, such as real estate transactions.


A checking deposit slip is a small written form that is used to place funds into your account. It indicates the deposit date, name and account number of the depositor, and the monetary amount to be deposited in the form of checks, and cash.


Writing a check in pen and in a hurry ensures that mistakes will occasionally happen. A bank has the right to refuse a check that is illegible or contains obvious errors.


A cashier's check is a check that offers significantly more security to the payee because it's drawn against the bank's funds and not against an individual account holder's funds.


A monogram is a letter or combination of letters that forms an identifying symbol. These symbols are used to show ownership, authorship or family/royal ancestry.


Your checkbook includes not only your checks, but also a check register to keep track of your checks and deposits. Each time you write a check or deposit money in your account, you should record it in your check register to keep track of how much money you've spent and how much you still have.


It used to be that depositing a check required you to make a special trip to the bank, wait in line, and wait longer for the check to clear. Many new and creative methods are available for depositing any check into your checking or savings account quickly and safely.


Many banks offer you the convenience of depositing checks at home with either online or mobile deposit. Depositing checks this way saves you a trip to the bank.


Create a Simple Checkbook Register With Microsoft Excel

It's convenient to record your checking account activity with an electronic check register you create using Microsoft Excel. You can customize your check register to categorize expenses so you can keep track of where your money goes, and create a formula that keeps a running balance of how much money is in your account.


The rules for cashing a check made out to two individuals vary depending on your bank, and on how the payer writes both names on the check. Checks made out to either individual using “or” can be cashed by either party, while checks made out specifically to both people using “and” must be cashed by both parties.


So, you've got a check that you've received as compensation for work, for a birthday gift, or for another given reason. You're ready to cash that check and to put that money to good use, and you step out of the house to do it...only to realize that you have no idea what the heck to do with it.


Though they aren’t used as often as they used to be, cheques (or checks) are still issued frequently for a variety of reasons. Whether in the form of a personal cheque written as a gift or a business cheque issued for services rendered, most everyone will find themselves needing to cash one.


When you loan people money, sometimes they don't always repay. The debtor has broken a promise to you, and you should not feel bad about asking to be paid money you are owed.


Shopping around for a loan is not like shopping for consumer goods, but it's just as important, if not more so, to get a good deal. Those who are taking out loans and incurring debt really need to look at the agreements that they sign to make sure they are not getting into a situation that they don't understand or can't afford.


If you know the amount of a loan and the amount of interest you would like to pay, you can calculate the largest interest rate you are willing to accept.


Not all loans are created equal. Understanding how to calculate a monthly payment, as well as the amount of interest you'll pay over the life of the loan, are very helpful in choosing the perfect loan for you.


An implicit interest rate is the nominal interest rate implied by borrowing a fixed amount of money and returning a different amount of money in the future.


Taking out a loan requires an understanding of not only the rate at which you will have to pay back the principal of the loan (the amount that you borrow), but also the rate at which you will be charged interest on that loan.


Lines of credit taken against the equity in your home are called a "home equity line of credit" or "HELOC." HELOCs are provided to you at either a fixed interest rate, so that the payment will not fluctuate from month to month or change drastically each year on the anniversary date, or a variable rate for which the monthly payment will change as the interest rate changes.


While most loans are fully paid off throughout the life of the loan, some loans are set up such that an additional payment is due at the end. These payments are known as balloon payments and can often be found within fixed-rate or adjustable-rate mortgages.


Amortization refers to the reduction of a debt over time by paying the same amount each period, usually monthly. With amortization, the payment amount consists of both principal repayment and interest on the debt.


Western Union is a wire transfer service that allows you to quickly transfer money all over the globe. While it’s not without risks, it is a reliable way to get money to friends and family almost anywhere in the world.


One of the fastest ways to transfer money between two parties is to wire transfer money. A wire transfer allows you to send money quickly and securely.


Choose from several different methods to transfer money from foreign countries. Depending on where you are located and the amount you want to send, you may choose to work with a bank to write a check or do a wire transfer.


The full price of a major purchase such as a house, boat or car is rarely financed. Most lenders for these types of loans require a down payment of some sort, usually expressed as a percentage.


Sometimes you need to move money around from one bank account to another. Generally, the process is not difficult. You can transfer money between accounts within the same bank or between accounts in different banks.


You can choose from a variety of options for sending money overseas. You can visit any remittance center (a place where money can be sent) in person.


Money orders are similar to checks, in that you specify who can cash them. They are useful if you don't have a checking account, or if you don't want your personal information or bank account details accessible.


Transfer a Money Order to a Prepaid Credit Card Online

Prepaid credit cards are an increasingly popular method of paying bills and managing money. There are several ways to load money onto these cards, including direct deposit of your paycheck and using cash at approved locations.


A check or cash isn't always a sufficient method for paying a bill or submitting payment for a purchase. However, money orders are widely accepted when cash or checks are not.


Send a Money Order Through the Post Office

Sometimes you need to send money through the mail to friends, family, or in a business transaction. One of the most secure ways to do this in the United States is to send a money order.


Automated Clearing House (ACH) payments are an electronic funds transfer from one bank account to another. ACH payments have been around for over forty years, and were developed with the intention of being faster, safer, and more efficient than the use of paper checks to transfer funds.


Make Changes to a Western Union Money Transfer

Western Union money transfers are a secure way to send money to someone else. Typically you go to a Western Union agency and entrust them with money to deliver to a recipient.


Need to transfer international funds to family or friends in dire need of foreign currency as quickly as possible? This is one area where it really pays to shop and compare, because fees from service to service can vary wildly.


Post Ads for Zeek Rewards and Zeekler Penny Auction

This article explains how to post free ads for current members of Zeek Rewards & Zeekler Penny Auction. It can be complicated for the Internet and computer beginner, but by reading this article, anyone can succeed.


Many of us are looking for better ways to make money, and what better way is than an easy way? We've all heard of making money online, and many of you have probably tried all this kind of get reach schemes, that in the end are just a hoax.


With internet auctions, you make your money when you buy. What this means is that if you did not buy the item for a low enough price, you will not be able to make a great profit.


Buying at auction can be a thrill -- just don’t pay more than you have to


Buy Jewelry at an Online Jewelry Auction

It can be very hard to find people who don’t love precious jewelry items. Men and women both like collecting jewelry, as men keep it as treasure and investment and women just adorn them to flaunt it in parties.


Online auction are fun, easy and thrilling. They allow you to purchase a wide array of products online for 24 hours a day and 7 days a week, often at great prices.


The banking market has changed in the 21st century. Free checking accounts are becoming rare and Internet banks are on the rise. Forbes Magazine reported that in 2010, 70 percent of Americans were paying maintenance fees.


Selecting a bank for for your individual needs depends greatly on what banking services fit your needs, finances, as well as age and lifestyle. The younger might want to invest for their future, and will search for high interest rates, and look for the future of their investment growth.


Avoid Online Auction Description Mistakes

Sometimes sellers get carried away with listing so much stuff, they feel justified in typing nothing more than "As pictured" and not bothering to provide better details other than what the online auction site forces you to generate.


Banks may charge their customers fees for a number of reasons, including for an overdraft, a stop payment on a check, or a fee for maintaining the account.


Choose a Bank or Credit Union That Is Right for You

As banks grow, more and more people are looking to change their current bank or credit union to explore new options. You might want to find lower fees, higher savings rates, or better customer service.


Selling on eBay is a great way to sell or auction off items you no longer need. It allows you to reach more people than holding a simple garage sale.


Ebay, the world's largest online auction site, regularly reviews its selling practices and searches for ways to provide better services for the sellers and buyers who use their services.


If your checking account shows a negative balance, your financial institution can penalize you with a charge known as an overdraft fee. Such a fee can be expensive and frustrating.


Most banks allow customers to open and close accounts regularly; however, there may be hidden procedures in the fine print of your contract. One challenge with closing bank accounts is that so many deposit and withdrawal services are automated.


After a certain amount of time with no activity on an account, financial institutions typically notify clients and request an update. Accounts that go unattended for too long can be considered unclaimed.


It should be no surprise that banks operate, like any other business, to make money. One way that they do this is to charge various fees to their customers.


Banking is a business, and banks are in business to make money. As a result, banks establish a variety of fees for the services that they provide. If you want to minimize the fees that you pay, you need to start by choosing the best bank for your needs.


Capture the eBay Segment of the Online Consumer Market

If you operate a business, own a business, provide a service or distribute a product and want to expand your customer base, it is a good idea to look into cultivating a reputation on eBay.


Choose a Wholesale Company for eBay Drop Shipping

Choosing a good wholesale company for your eBay drop shipping business isn't easy. You will have several concerns: Can they perform? Will they rip you off?


Many people choose to buy a camera on eBay because cameras are usually quite small and lightweight, which means that they are less costly to ship. The eBay website offers a large variety of cameras, ranging from the basic point and shoot to more advanced digital SLR and professional cameras that have manual focus, shutter speed and depth of field settings.


Buyers and sellers can cancel orders on eBay as long as both parties mutually agree to do so. A buyer can request a cancellation up to an hour after the transaction, as long as the seller has not shipped the item.


The popularity of eBay has made it harder and harder to find bargains  [1]  . But it’s not impossible. By taking advantage of seller mistakes and using a little eBay savvy, you can come away with a great deal.


One of the biggest considerations you have when starting an eBay business is what to sell and where to find it. The trouble is, it can be hard to find consistent sources of product on an ongoing basis.


Finding a good seller can make, or break, your experience with eBay. If you decide to 'test the water' and then get ripped off, your chances are less that you will come back.


Using eBay to sell the clothes that you don't wear anymore is a quick and easy way to make some money. You can sell any kind of garment or accessory, including shoes, hats, scarves, and ties, and belts.


You are one of two people when it comes to eBay: either someone who owns their own products and wants to start selling on eBay or someone who is just entering the world of eBay.


Place Your Bids at Online Auction Sites Like eBay

If you are newbie to online auction sites, chances are that they you might get tempted to place your bid immediately for the product. In the excitement of auction, you may even end up paying more than the actual price of same product at a brick and mortar store or other online auction sites.


If you buy an item on eBay, there may be a time when you do not receive the item you purchased or when you received a faulty item. Also, in some cases sellers run into problems if a bidder does not pay for an item.


Find Reliable Chinese Based Suppliers of Products to Sell on eBay

Finding a reliable supplier from China is possible. This article draws on experience from a power seller on eBay, who regularly sources from China.


Have fun as you create your own home-based business by selling vintage costume jewelry on eBay. Income potential is unlimited and is based upon your creativity and motivation.


Congratulations, you just sold your first item on eBay! Now what? You ship it.


Starting an eBay home business can be a very effective way of making money online, especially as eBay is a renowned and widely used online platform for auctions and currently has millions of daily visitors to sell to.


Founded in 1995, eBay has grown to be the world's largest online marketplace with over 90 million registered users. By providing sellers access to prospective customers in many countries, and offering buyers international access to merchandise of their choosing, eBay has provided e-commerce opportunities for entrepreneurs large and small.


This how to guide will show you the best methods of sniping an eBay auction, increasing your chances of winning an auction for the least money possible.


Decades ago, the art market thrived solely on art brokers, museums and galleries to find buyers. The Internet has changed that model to one that includes online galleries and auctions.


There aren't that many scammers on eBay - but the ones there tend to be greedy. This means that they will always try to pull their scams on high-value items like cars and computers so that they can make a lot of money quickly.


In today's online world, the old fashioned used, or antiquarian, book store is slowly becoming a thing of the past. Now, if you want to buy a book, you go on line with a popular search engine and find out where to get it.


Jewelry is one of the most popular items to buy and sell on eBay. Many buyers look for jewelry as metal investment or to enhance their own wardrobe.


Unless you are selling an automobile on eBay, the method for selling auto parts and accessories on eBay is similar to the method you would use to sell any other eBay product.


Selling perfume on eBay is a fairly simple process, but there are a few restrictions on the type of perfume you can sell and the way you'll need to ship the perfume once someone buys it.


eBay is a fantastic resource if you're looking to buy some items at a competitive price. However, finding a specific thing again can be a nightmare.


eBay tries to promote hassle-free returns. However, it is ultimately up to the sellers to decide upon their return policy, as each seller essentially runs their own shop on eBay.


As an eBay seller, you may need to delete or remove an item’s listing from eBay if you find that you either made a mistake when listing the item, no longer have the item, or the item you’re selling is broken.


You can only list an ad or an auction on eBay for 7 days. Once the listing ends, you will have to relist them to reactivate and gain exposure. It normally isn’t a problem if you only have a handful of items, which you can relist one by one.


When you sell items on eBay, you are charged a variety of different fees by eBay in exchange for using their website to host the sale of your items.


Millions flock to eBay seeking the best deals on everything from collectibles to clothes and even cars – but despite the online auction site's extensive rules and policies, there will always be some who use the service to take advantage of unsuspecting users through fraudulent activities.


Pick the Best Day to Start and End Your eBay Auctions

There are several helpful articles available for eBay sellers, but not many cover one very important aspect for eBay auctions: the day you pick to start and end your auction.


eBay is an online market places where consumers and sellers connect. You can list items to sell or buy items from other members on the site. When you list an item to sell it remains active as an ad on eBay for seven days.


Receive Positive Seller Feedback On eBay

If you're serious about selling on EBay, positive feedback is one of the primary keys to success as an Ebay seller. Good seller feedback indicates a proven track record, instilling trust and confidence in potential buyers.


Learn to make money from eBay by using your own website or blog.


If you want to run a truly successful eBay business then you should have a tax reduction strategy. If you fail to employ the simple methods outlined in this article, you will lose out on untold amounts money taken by taxes.


Selling on eBay can be an extremely lucrative venture, especially since eBay is currently one of largest international marketplaces on the Internet.


Quickly Find a Seller's Negative Feedback on eBay

If you are dealing with a seller who has high volume, you may have to scroll through scores of pages to find negative feedback. There's an easier way to go directly to the negative feedback using the free service provided by Toolhaus.


In order to use eBay, one of the biggest online commerce sites in the world, it's first necessary to set up a user account. With an eBay account, it's possible to bid on auctioned items, buy products immediately (a la Amazon.com), and even become an online vendor by selling or auctioning your own items to people all over the world.


Use Upsells on eBay to Massively Increase Your Profits

Any good marketer will tell you that upsells are critical to achieve optimum profits and success. Trouble is, very few people selling on eBay even know what an upsell is.


There are only two things that affect whether potential bidders will even click on your listing to access your bidding or Buy It Now link: The auction title and the auction thumbnail photo.


Structure Your eBay Auctions for Maximum Success

How you structure your eBay auctions has a huge impact on the results you get. One format might get five to ten times the traffic and many more bids than another.


Make Money on eBay Selling Consignment for Others

Although the majority of eBay sellers buy items outright for re-sale on eBay, some sellers specialize in consignment selling. Selling on consignment means selling items for other people.


Since its creation of eBay, millions have turned to this online auction site for all their buying needs. Making smart purchases using this website involves a bit of knowledge and practice.


EBay is a fun and easy way to shop for a wide variety of items online. You can find great deals on electronics, jewelry, pet supplies, clothing, sports items, collectibles and much more.


Use Pricing Strategies for Your eBay Business

How you price your items on eBay can have a major impact on your auctions appeal and selling power. One pricing method can produce 5 times greater results than another.


eBay helps enables consumer-to-consumer sales in over 30 countries. These sellers pay small fees to eBay for listing and selling products. If you want to be an eBay seller, you will need to list items accurately and attractively in order to inspire bids and sales.


This article details how to maintain your reputation on eBay, "one of the United Kingdom's largest shopping destination" according to the website.


Your eBay feedback score says a lot about the type of seller/buyer you are. An increased score with a high percentage of positive feedback indicates that you are an honest person and that the transaction will go smoothly.


eBay Bucks are issued to users who purchase eBay items that qualify for the eBay Bucks rewards program. To earn eBay Bucks, you must enroll for the eBay Bucks program and purchase qualifying items using your PayPal account.


eBay  is the world's largest and most frequently used online auction site. You can use it to buy and sell all sorts of items, from old records to upcoming sports tickets.


Don't you hate it when you win something on eBay, and then when it comes in the mail it's not what you thought it was? Learn how to decide when to bid on an eBay item!


As more and more people turn to eBay for extra income, the need to stand out is becoming increasingly apparent. It’s very easy nowadays for your eBay auction to become lost amongst the hundreds of others and never get the attention it deserves.


eBay sellers can be found using the site’s Advanced Search feature. There are currently three ways to search for a seller on eBay: by user ID, by item number, or by email address.


Need good feedback on eBay? Not selling just because of how people like your feedback? Read 5 tips on this!


There are times when you may discover that you can no longer sell an item you listed on eBay. When that happens, there are steps you can take to end the listing early.


If you want to create a lasting eBay business where you’re a major player in the field, you need to first find yourself the ideal niche. A niche is a small sub-market.


If a person buys an item you have listed on eBay, but doesn't pay for it within 4 days after the sale has been finalized, you can file an unpaid item dispute with eBay.


No matter what style of selling you do on eBay, it is important to price your items correctly to increase your sales volume and profits. If you sell with auction style listings, the starting bid price on your auction should cover your product cost in addition to your eBay and PayPal fees in case the item does not get bid up.


If you’re a seller on eBay, it’s likely that you’ve run into fraudulent or delinquent buyers. These buyers will bid and buy your items, and then not pay.


In this article, you will learn how to get a good, fair deal on eBay. Get the things you want at minimal cost to you!


Maybe eBay has lost the lustre of years past. Maybe you don't want to give yourself an opportunity to buy things you know you shouldn't. If, for whatever reason, you decide that you want to close an eBay account, here is what to do.


If you sell items on eBay, you live and die by the quality of the feedback you receive from buyers. While you may do everything in your power to ensure that each transaction goes off without a hitch, you still may end up with an unsatisfied customer from time to time.


If you have a question or concern and wish to contact eBay, you must go through their automated system. The company has done away with direct email and chat options for customer service.


A case can be opened in the Resolution Center on eBay when a Seller wants to cancel a transaction for any particular reason, such as if a Buyer refuses to pay for an item.


Bids on eBay are generally considered final, but sometimes honest mistakes occur and there are ways to cancel bids. Both buyers and sellers have the opportunity to cancel a bid, especially if both parties agree to this, and it is done within a certain time frame.


eBay is an online auction website, where people around the world sell, bid, and purchase items from toys and clothes to auto parts and electronics. Your "About Me" page is important in raising your reputation and allowing others to know more about the person they are buying from or selling to.


When you have questions about an eBay process or an eBay transaction, you can contact eBay by telephone if the Help Center and forums fail to provide you with the information you need.


eBay is an online auction website where you can buy a wide variety of goods for below market value. When buying items on eBay you have two major options: you can place a bid on an item and wait to see if you have won once the auction ends, or you can use the "Buy it Now" option, to purchase items outright.


Choose and Sell Profitable Christmas Items on eBay

The period leading up to Christmas is a profitable time of year for all retailers, including those who sell on eBay. Small eBay sellers, however, face challenges unique to small retailers.


If you don't have a PayPal account, or prefer not to use yours, navigating eBay can be frustrating. Luckily, however, there are other means to pay on Paypal.


Confirm Your eBay Partner Network Domain

This is what you have to do to become an ebay affiliate. These instructions only apply to wordpress self-hosted blogs via bluehost.com.


Buying and selling  on e-bay can save you money. It can also make you money if you learn to understand the concept.


Fraudulent activity is something that eBay has been combating since its inception, and 1 of the ways in which it does this is by creating awareness about how to buy on eBay safely.


Buying SIM cards on eBay is brilliant, because you can save money, and usually get deals you wouldn't find elsewhere. This guide will give you some basic tips on finding the cheapest SIM card out there.


eBay is a tremendous consumer resource where you can buy just about anything. An added benefit is that you can buy items with an eBay gift card. If you would like to make a purchase with an eBay gift card, and you have found something you would like to buy on eBay, you can easily redeem the gift card.


Bidding on items on eBay can be an exhilarating experience. Watching as the timer counts down to ensure that you have the winning bid is exciting and rewarding.


Many types of computers are sold on eBay including laptops, desktops, and netbooks. Shipping generally costs more for desktops compared to laptops because they weigh more.


Buying clothes on eBay may be a great way for you to purchase brands by your favorite designers at discounted prices or to find rare articles of clothing that you cannot find locally.


Buying autographs on eBay can be a great way to build your collection. Here are the pearls to look for and the pitfalls to avoid.


People buy coins from eBay for various reasons including sentimental value, personal coin collections and long-term investment. You can buy American coins such as nickels, dimes and quarters as well as coins from other parts of the world.


As an eBay user, you have the ability to block other eBay users you don’t want to do business with. The users you block will not have the ability to bid on your listings or buy from you, and will not be able to contact you about the listings you have posted.


Buying art on eBay is usually a little different from buying other types of products because the buyer often likes to browse through various works of art and see what catches his or her attention rather than going online to buy a particular artwork.


There are many search options and payment methods that allow you to buy a guitar on eBay that is suitable for your needs and within your budget. You can use eBay for buying guitars that belong to different categories including electric guitars, bass guitars and acoustic guitar packages.


You can buy a bicycle on eBay according to brand, frame size and condition so buyers can look specifically for what they want. You could purchase mountain bikes for off-road cycling, BMX bikes for stunts or even look for folding bikes that will fit more easily in your car trunk.


The Motorola Droid smartphone works with the Android operating system to allow users to surf the Internet using a Wi-Fi connection and play multimedia files with a touch-screen display and a slide-out keyboard.


Bidding for an item on eBay is a simple process, but it can become competitive pretty quickly if you are looking to buy a popular item. Not only do you want to place a bid, but you also want to win.


It may sound crazy to block bidders from your eBay auctions, but sometimes it is necessary. Examples of when this may be appropriate are: when they make the transaction difficult, like asking for discounts or bargains every time an auction ends, or when someone fails to pay for a purchase after ignoring several warnings.


With over 180 million members eBay is one of the most visible and far-reaching Internet companies and the leading auction site in the world. Among eBay sellers a designation of  PowerSeller  is given to approximately 4%.


In an age where the bulk of informal market trading happens online, eBay is a pioneer. If you are an avid user of eBay, most of your experiences have probably been great!


So you want to be a successful seller with your own eBay business, do you? Here's a simple, ten-step path to eBay enlightenment.


While purchasing goods from reputable sellers on eBay usually goes smoothly, there is a chance that an order or item could be messed up. Luckily, because of their money back guarantee, eBay can often resolve your issue and give you a refund.


eBay Daily Deals features items from select eBay sellers that are offered with free shipping and heavily discounted prices. The items featured on eBay Daily Deals are sold for a 24-hour duration, and are only replaced with other items during that timeframe when the inventory of a featured item has been fully depleted.


Avoid Being Scammed When Buying Media on eBay

Want to make sure you get what you buy on  eBay ?


Avoid the Five Critical Mistakes eBay Business Owners Make

There are five critical points you need to consider when planning your eBay business. If you’re missing any one element, your business won’t perform anywhere near as well as it could.


The right ad can either make or break an eBay auction or sale. Follow these steps to learn how to write a successful one.


Becoming a 5-star seller on eBay is no easy feat. Success as a seller can mean different things to different people: the maximizing of profits, the creation of happy and loyal customers, or the growth of overall business.


Selling your unwanted items and homemade crafts on eBay can be simple and profitable. You can list your items at a starting sale price and allow them to be auctioned or you can provide a "Buy It Now" price for your items to eliminate bidding.


If you've ever run an eBay business, you'll know how time consuming the shipping process can be. The time you use to ship products could be much better spent in business growth activities, such as product research and acquisition.


When a debtor doesn’t pay up, you need to take action. You might send a demand letter to the debtor, sue in court, or hire a collection agency. Consider each option carefully.


Passed as a federal response to the infamous corporate scandals of the early 2000s, such as Enron and WorldCom, the Sarbanes–Oxley Act ("SOX") represents an effort to regulate the corporate finance of publicly traded companies so that otherwise reluctant investors would regain the confidence to invest.


If you receive a demand for payment of a debt, whether in the form of a demand letter or a complaint filed against you in court, you need to respond quickly and carefully.


Answer a Lawsuit for Debt Collection in Texas

If you're served with a lawsuit for debt collection, you may be angry or scared, but the one thing you can't do is ignore it. If you don't file an answer, the debt collector will win by default – even if you don't actually owe the amount in their petition or they were otherwise barred from suing you.


Before a broker-dealer can sell securities, they must register with FINRA, the Financial Industry Regulatory Authority. FINRA stores important information on broker-dealers in their central database, which you can access using BrokerCheck.


When you open a checking account, you generally receive a box of checks and a manual check register. However, some people prefer to use something that offers more features than a two-column register.


According to the National Consumer League, a nonprofit organization that helps stop fraud and other consumer misconduct over the United States and abroad, the number one scam reported to their Fraud Center is fake checks.


Calculate the Check Digit of a Routing Number from an Illegible Check

The routing number on a check uniquely identifies the financial institution and the location where the check was printed. Financial institutions use routing numbers to instantaneously process financial transactions.


There can be any number of reasons to want to stop payment on a check. This wikiHow will show you how. Make sure that you have all the  necessary information  before you begin.


When you endorse a check made out to you, you can deposit or cash it to obtain the amount of money indicated on the check. This wikiHow will show you the different ways of endorsing a check.


Balancing your checkbook is one of those crucial life skills that you need to know. It will give you a clear sense of not only how much money is in your bank account, but where your money goes.


If you're served with a lawsuit from a credit card company or collection agency, you must act quickly to answer the lawsuit or you may lose by default.


Loan consolidation can save you money if done right. You consolidate loans by rolling all your little loans into one bigger one. To come out ahead, you need to find a consolidation loan with a low interest rate and a reasonable term.


If you’re looking to save money on your next car purchase, you may consider buying an impounded car from a police auction. Impounded cars are vehicles that have been seized by law enforcement officials due to a crime, varying from driving without a license to driving while intoxicated to being involved in criminal activity.


Consigning autographs to an auction house can be a gratifying and rewarding experience. Here are the critical steps you need to know before consigning your valuable autographs.


Buy Then Sell a Car Impounded by the Police

Law enforcement officials can impound vehicles when certain traffic laws have been violated. Since it's not possible for enforcement agencies to retain all vehicles they impound, the vehicles are sold at police auctions.


Many loans, such as to purchase a house or a new car, involve amortization. To amortize a loan, you divide the principal borrowed plus interest into a set number of identical monthly payments.


Apply for a Military Reservist Economic Injury Disaster Loan

The Military Reservist Economic Injury Disaster Loan (MREIDL) helps small businesses cover operating expenses when there is a shortfall as a result of an essential employee who is a military reservist being called up to active duty.


Find a Great Auction to Buy Items for Resale

There are a lot of auctions out there today. Follow these tips to find the ones worth frequenting!


In a weak economy, you are bound to get a great deal on a boat. In most cases, a boat is a luxury, and these are the first to go when it is time to start pinching pennies.


An auction is an exciting day out, and you might find something special to take home. It's quite a specialist method of buying, so it's good to know the ins and outs in advance.


Money orders are used instead of checks or cash when you need to make a payment. Unlike checks, money orders can never bounce, making them a safer option for large payments.


A Moneygram money order must be filled out correctly to ensure that the payment is accepted and processed without any complications. This wikiHow will teach you how to properly fill out a Moneygram money order.


Money orders are safer than checks because they can't “bounce” or overdraw the purchaser’s bank account. This wikiHow will teach you how to fill one out.


With more and more people buying items online from overseas sellers and producing work for international clients and companies, it's become increasingly more important to know how to make an international payment.


A bank transfer, also called a wire transfer, is a way to send money from one bank account to another anywhere in the world. The advantages of sending a bank transfer are that you do not need to wait for anything to arrive in the mail, there are no cheques to cash, and the funds are available immediately upon receipt.


MoneyGram is a convenient way to transfer money between two parties. A person can send or receive funds through MoneyGram in person via agents at locations around the world, via account transfers, standard mail, and through online portals.


Used Car Online Auctions can be a great way to save up to 90% off the retail price of a car. Here are a few tips that will help you get the most out of your visit to an auto auction center or website.


Fill Out a Money Order that Asks for Purchaser Signature

A money order is a negotiable instrument. It is a promise to pay a specific sum of money to a specific person. A payor (or drawer) makes a payment to a payee.


Money orders are used in place of cash to make payments. Since money orders are prepaid, the payee is guaranteed to receive the full amount, rather than risking a bounced check or bad credit card number.


You've successfully sent a money transfer using  Western Union  and now you wish to cancel your transaction? Some simple steps are helpful in doing so.


Wire transfers are a type of electronic funds transfer. They are usually considered the safest way to transfer funds, especially large amounts, to banks in countries overseas.


When it comes to monitoring your bank accounts, online banking is a great option. Since many new online-only banks are popping up, understanding how to access your accounts online is an important tool.


Due to the increase in electronic payments, most banks are set up to transfer money from one institution to another. The ease, cost and delay of transfer vary greatly depending upon your banks’ service.


Transfer Money to Any BPI Account with BPI Express Mobile App

If you are a BPI (Bank of the Philippine Islands) client, it’s suggested that you use its online banking facility at  https://www.bpiexpressonline.com/ .


Many banks now offer customers extensive services through online banking. Common transactions, such as paying bills and rent, can be completed by transferring money online.


Understand Different Types of Bank Accounts

If you visit a bank to open an account, you will likely have several options. Different types of bank accounts vary in terms of benefits, drawbacks, and conveniences for the depositor, so it’s helpful to understand each option completely.


There are many legitimate reasons you may want to keep your money in a bank that operates in another state, or even overseas. Particularly if you have property or business interests in another state, using a local bank may make more sense than using an existing account in the state where you reside.


There are several reasons why one would choose to open an Australian bank account. Perhaps you are relocating to Australia, perhaps you are a traveler looking to open an account with a tourist visa, or perhaps you are simply an Australian citizen looking to open an account for daily use.


Swiss private bank accounts offer the highest quality offshore banking services available. There are many reasons why a corporation, a firm, or even a private citizen might choose to open a Swiss private bank account.


Checking accounts have a variety of uses and are a necessary part of many people's banking activities. You can use them to pay bills, deposit your income, and use a debit card.


Switzerland is known for its impressive banking system, including its legendary privacy policies. It is actually a criminal offense in Switzerland for a banker to reveal private information about bank clients, which in the past was a huge perk for anyone wishing to conceal ill-gotten money or valuables.


Opening a bank account in Bermuda can be a relatively easy process, allowing you to enjoy the many benefits that can come from a Bermudan bank account.


EFTPOS, which stands for Electronic Funds Transfer at Point of Sale, is the name of the network in Australia and New Zealand which processes card transactions at merchants at the time of sale, or ATM use.


If you've run your card through the dryer a few times this article is for you!


If you're pressed for time and can't make it into a bank's actual location to set up an account, don't worry! You can set up a checking account online with a handful of popular banks, and, after doing so, you can usually select an option to have the bank send you a debit card.


Personal identification numbers, or PINs, are needed for most electronic financial transactions. They are also becoming more common as a means of protecting mobile devices and personal computers.


Making a payment to your Sears Card is easy using their online account access. When you create an online account with the Sears Card's financial institution (Citibank), you will have the opportunity to pay your bill over the Internet as well as have the option to enroll in paperless billing.


Maintaining a bank account has become an essential part of modern living. Without a bank account, it can be difficult to pay bills, get paid by your employer, or keep track of your money.


Decide Which Type of Bank Account to Open

There are many banks offering various different types of accounts. One account which may be right for one person may not be right for another. With the current state of the economy, it is more important now than ever that your bank account works for you, and that you are getting the most out of your account.


A Green Dot card is a prepaid Visa or MasterCard debit card similar to a prepaid giftcard. These cards can be personalized with your name and be used for debit purchases, reloaded with money, and used at ATM machines for withdrawals.


Check Your Account Balance on a Virgin Mobile Phone

As a Virgin Mobile customer, you can check your account balance at any time to verify the amount of prepaid funds you have remaining on your phone plan.


A band is a partnership, which is a business in which two or more people share ownership.  [1]   Ideally, you created a “band agreement” when you formed the band.


Line graphs and bar graphs are both visual ways of representing two or more data sets and their interrelation. In other words, graphs are pictures that show you how one thing changes in relation to another.


Students in college are always in need of money. At Wayne State University, located in the heart of Detroit, Michigan, each student receives a One-Card upon enrollment, these are used as the students ID, but can also be used like a gift or debit card allowing students to spend money at places around campus.


If you use credit cards, you should have at least one that offers a substantial reward every time you use it. If a card offers a large bonus just for signing up, evaluate the offer thoroughly.


Financial abuse is one of the most common forms of abuse, both in relationships and against the elderly. In relationships, the abuse is often about having control over the other person.


Anzac Day (Australian and New Zealand Army Corps) is in honor of all the Australian and New Zealanders who died in WW1 in Gallipoli, 1915. It is celebrated on April 25 and is very similar to occasions like Veteran's Day.


The "First Footing" is a tradition celebrated on Hogmanay, a Scottish New Year's celebration. It is supposed to bring luck and prosperity to the household for the new year.


The feast of sports, emotional moments, country love and excitement that make up the Olympics culminate in the closing ceremony, the last opportunity to see your favorites in their country formations and to see whatever spectacular surprises the organizers have in store.


Harvest time during fall (autumn) is a wonderful time. There is a bounty of food, the beauty of changing leaves and the gradual descent into cooler weather.


Bet on the Cheltenham Festival Champion Day

As March approaches, and with it the start of the Cheltenham Festival, excitement builds, anticipation grows, and pre-race betting gains momentum. This annual horseracing event, spread out over four days, is the highlight of the year for horseracing fans.


The holiday season is a chaotic time for most. You must balance your time between work, family and friendly commitments, while shopping, cooking and celebrating.


The holidays can be a wonderful time, but it's easy to overindulge on treats and drinks. If you want to avoid overindulgence during the holidays, there are some simple tricks you can use.


Everyone loves a White Christmas. Whether it is the first you have experienced or you just want to do something special with it, here is a how-to on making it the best Christmas ever!


The penalties for drinking and driving – known legally as "driving under the influence" (DUI) in many jurisdictions – can be steep. Especially if this is your first offense, you probably want to do what you can to fight the charges and get them dismissed.


The holidays are an exciting time of year, but can come with extra calories. Cocktails at holiday parties and special holiday drinks at coffee shops tend to be heavy in calories.


Get Your Car Back After Aiding and Abetting a DUI

If you know a friend or family member is drunk, and you let them drive your car anyway, you can get charged with aiding and abetting a DUI. Not only that, but the police may impound your car – particularly if the driver had previous DUI convictions.


A conviction for driving under the influence (DUI) can create long-term difficulties and consequences. A conviction may prevent you from gaining a job, force you to pay higher car insurance premiums, or keep you from obtaining an apartment.


Many people spend the holidays sharing meals with groups of friends, family, or even colleagues. Knowing exactly how to act at a dinner hosted by someone else is sometimes difficult, and can potentially incite some degree of nervousness.


Avoid Emotional Eating over the Holidays

The holidays are filled with family and friends, music, food, tradition, and good cheer. Yet, for many, the holiday season is associated with anxiety, depression, chronic stress, and loneliness.


Respond to a Pennsylvania Traffic Citation

Oh no! You've been issued a traffic citation/ticket! Whether it's for speeding, running a red light, or something else, all state traffic citations in Pennsylvania require a response.


Many states allow the use of online traffic school or online defensive driving courses to dismiss traffic tickets. If you receive a traffic citation, you should always check with the court that is handling the citation and find out whether they will accept online traffic school, and whether your citation is eligible for traffic school.


Get an MDDP After a First DUI Offense in Illinois

When you're convicted of a DUI in Illinois, your driver's license is suspended anywhere from six months to three years after your conviction. However, if it's your first offense, you may be eligible for a monitoring device driving permit (MDDP).


If you were injured in a boating accident, then you can sue the boat operator who caused the injury. For example, the operator may have hit your own boat, or you may have been in the boat with the operator who was intoxicated.


Speeding is not only against the law, but also wastes gas and increases the risk of accidents. To solve speeding, it’s important to identify the source of the problem.


In some cities, red light cameras can be particularly aggressive, and even drivers doing the right thing can end up being flashed and fined for pulling into the intersection within the short amount of time the orange/yellow light is lit, just before the light goes red.


Formula 1 drivers are in a highly competitive sport that requires a great deal of talent and commitment to have any hope for success. While it may seem like a dream job, becoming a professional driver takes years of experience and a good deal of financial investment to climb the ranks to Formula 1.


Take an Online Defensive Driving Course for Ticket Dismissal in Florida

There are two main reasons most people take a defensive driving course in Florida – ticket dismissal and insurance rate reduction. The State of Florida now accepts online defensive driving courses, and so many people are taking them in lieu of sitting through a class outside the home.


Adjusting the governor can make your golf cart go 5–10 mph (8.0–16.1 km/h) faster. If you do this to an E-Z-GO golf cart, you might be able to go from 15 mph (24 km/h) to 22 mph (35 km/h).


There comes a time in everyone's life where they feel the need to get out and explore life on the road; of course, it's best done legally, so you are going to need your papers.


If you move to a new state, you will usually need to register your car in that state, if you own and drive one. Each state has its own rules and regulations regarding how soon a car must be registered and what documentation is required to complete the process.


Many people like to take their everyday car to their local drag strip and make a few passes down the track. Some build dedicated track-only, non-street legal cars, and still others modify their street-legal cars to be a cross between a race car and a streetcar.


The Texas driving test is administered by the Texas Department of Public Safety (DPS). If you want a driver's license and you live in Texas, you'll need to first pass this test.


Security is increasingly becoming an important part of our lives, and proper identification is crucial in many settings. Immediately, when we mention “fake IDs,” our thoughts go to college students using fake driver’s licenses to gain access to bars.


During the Oklahoma driving test, an employee of the Oklahoma Department of Public Safety (DPS) observes your ability to control your vehicle and obey the rules of the road.


Pass the Maryland Non Commercial Class C Driver's Test

Are you taking a driver's test in Maryland to obtain a non-commercial class c driver's license? Are you afraid to fail? If you are, you are not alone!


If you are a prospective driver in Alabama, you will need to follow a sequential process before you can legally operate a motor vehicle. Whether you're 16 or 60, you must follow the same steps in order to obtain a driver's license.


Use the Pursuit Intervention Technique (PIT Maneuver) in a Car

The Precision Immobilization Technique (PIT maneuver) is a procedure which has been used by law enforcement departments around the world (this is also known by some as the Precision Immobilization Technique).


Pass a Driving Test in the UK on the First Attempt

Passing your driving test in the UK is a daunting task. With pass rates below 50 percent, it is important that you prepare well for your practical exam.


Obtain Your Driver's License in Maryland

The state of Maryland requires everyone who drives to have a driver’s license. You can get your first learner’s permit at the age of 15 years and 9 months.


Drag racing is a sport in which cars or motorcycles race down a track with a set distance as fast as possible. A drag race pits two vehicles against each other over a straight, measured distance from a standing start.


This is an elementary guide on how to properly launch a manual, rear-wheel drive (RWD) car. The process of launching the car is possibly the most important part of a drag race.


Set Up a Race Car in the Shop Before Racing

Have you ever wanted to setup your race car with minimal effort? Here is an ordered procedure to help set the race car up the first time you try it.


Police officers are often summoned to prepare a report following a traffic accident. However, there are occasions, such as for insurance purposes or when police aren't called, when you will need to prepare a motor vehicle accident report.


If you've been issued a traffic ticket and decide you want to fight it, you may have the option of writing a letter to the court pleading not guilty.


Want to improve your sport bike riding skills? A motorcycle "track day" is a safe and legal way to do it.


You need an Oklahoma driver's license to legally drive in the state, but the process of acquiring one can be confusing. This is especially true if you are getting your license for the first time, as there are many steps involved.


Having your car "impounded" means that the police/municipality (or possibly some private agency) have taken it from you and are holding it. To get it back, you need to learn why it was impounded in the first place, and then correct whatever caused the problem.


Write a Letter to Contest a Parking Ticket

If you receive a traffic ticket, you can appeal the ticket by writing a letter. You may also be able to appeal by phone or email, but a written appeal can be as long as you want it to be and affords you the opportunity to attach supporting evidence.


Whether you recently relocated or are just learning to drive, you will need an Arizona driver license to legally operate a vehicle in the state. The steps to obtain a driver license in Arizona differ depending on whether you are a first-time driver or a transfer from another state.


A car is tracked throughout its existence through a Vehicle Identification Number. Car repair shops, police stations, title and registration offices submit reports that show the location of the vehicle.


Most people have heard of the “lemon law”, but few know exactly what it is or how it works. If you have bought a new vehicle that is still under warranty, and if you are having trouble getting it repaired completely, the lemon law may apply to you.


One of the most exciting parts of being a teenager is learning how to drive. But before you’re ready to hit the road, you’ll have go through the process of obtaining your learner's permit, which includes meeting certain legal criteria and passing a written test.


To many people, getting a driver's license is a rite of passage, but there's a lot of preparation involved. Acquiring a permit, taking a written exam, practicing on the road, and being tested at the DMV may seem overwhelming, but fear not.


A bill of sale documents the paid transfer of goods from one individual to another. It is usually required to transfer a title when selling personal property, such as a car or recreational vehicle (RV).


When people talk of “verifying” or checking a car’s VIN, this phrase can have different meanings, and there are different ways to get it done. A Vehicle Identification Number (VIN) is a series of numbers and letters that is specific to an individual vehicle, much like a serial number.


Keep Your License with an SR22 Reporting Requirement

An SR-22 is verification that you have car insurance.  [1]   It is also called a “Certificate of Financial Responsibility.” You may need to ask your insurer to file it for you if you have been arrested for driving under the influence.


If you want to operate a boat or jet ski under the age of 18, you will need to obtain a boating license. Operating a boat or jet ski without a license under the age of 18 is illegal.


Oklahoma uses a graduated driver's licensing process. Individuals are allowed to begin driving with a certified instructor at age 15. Six months later, driving students can receive a permit; and 6 months after that, an intermediate license.


To drive a school bus in the U.S., you must have a commercial driver’s license (CDL) with endorsements for driving a passenger vehicle (P) and driving a school bus (S).


Many kids dream of driving since the time they learned the word "car." In Massachusetts, you have to wait until you are sixteen until you can drive.


To get a driver’s license in Nevada, you first establish yourself as a resident of Nevada and complete a driver’s license application. If you are a new driver, you must take and pass the vision, knowledge, and driving skills tests.


Get a Personalized License Plate in Maryland

Do you want to show your fellow Maryland residents a glimpse into your fun and creative personality? You can when you add a personalized license plate to your car, truck or motorcycle.


Texas, like all states, requires everyone who drives to have a driver’s license. There are special rules and requirements especially for minors who wish to get a temporary learner license or a provisional license.


Get a Personalized License Plate in Maine

If you live in Maine, drive a vehicle and like to stand out in a crowd, you can show off your creative side by adding a personalized license plate to your car, truck or motorcycle.


Get a Specialty License Plate in Wyoming

Do you live in Wyoming and want to display your membership of a club or organization, certain occupation or alma mater? You can when you order specialty license plates to affix to vehicle.


Get a Personalized License Plate in Louisiana

The application process to get a personalized license plate in Louisiana is easy. The most difficult part may be coming up with a personalized statement that fits on the plate and also fits the rules.


Get a Personalized License Plate in Iowa

Show your wit and wisdom to all your fellow Iowans every time you drive by adding a personalized license plate to your vehicle. And, with many specialty design plates to choose from, you can add even more personality to your unique message.


Get a Specialty License Plate in Tennessee

If you are a Tennessee resident who belongs to a specific club or organization, is a member of the military, a Tennessee college or university graduate or represents a special interest, then you can reflect your status by affixing a specialty license plate to your vehicle.


Get a Personalized License Plate in South Carolina

Are you a resident of South Carolina looking for a fun way to express yourself? You can do this by creating a personalized license plate, or tag as it is referred to in the Palmetto State.


Get a Specialty License Plate in South Carolina

Do you live in the Palmetto State and want to proudly display the fact that you are a member of a certain organization, involved in a specific occupation, or graduated from one of South Carolina's colleges or universities?


Get a Specialty License Plate in South Dakota

If you are a firefighter, a member of a club or organization, a disabled veteran or you drive a historic vehicle in South Dakota, you can apply for a specialty license plate depicting your membership, status or occupation.


Get a Personalized License Plate in West Virginia

Do you live in West Virginia and want to show your fun and creative side each time you drive your car, truck or motorcycle? You can, when you add a personalized license plate to your vehicle.


Get a Personalized License Plate in Utah

Are you a Utah resident with the desire to express your freedom of speech and individuality every time you get behind the wheel of your vehicle? You can, when you create a personalized license plate for your car, truck or motorcycle.


Get a Specialty License Plate in Virginia

If you live in Virginia and are the kind of person who likes to be unique, you live in the right state. Virginia currently offers more than 200 specialty license plates representing colleges or universities, military statuses, fraternities, sororities, occupations and more.


Get a Personalized License Plate in Tennessee

You can show off a bit of your personality whenever you're behind the wheel of your vehicle in Tennessee by displaying a personalized license plate.


Get a Personalized License Plate in Rhode Island

Are you the type of person who likes to buck the norm and do things in your own style? If you live in Rhode Island, you can have your own style whenever you drive your vehicle if you display a personalized license plate.


Get a Personalized License Plate in Colorado

Are you a Colorado resident who wants to show your wit and wisdom each time you are behind the wheel of your vehicle? In the Centennial State, you can add a personalized license plate to your car, light truck, motorcycle or trailer.


Get a Personalized License Plate in Alaska

Roughly one out of every 20 vehicles in Alaska bears a personalized plate, so your car will be in good company. Coming up with what you want to say may be the hardest part of getting a personalized license plate in Alaska.


When you register your vehicle with the Department of Motor Vehicles (DMV) in your state or region, you will often have the option to choose from a variety of different license plate themes and styles.


Get a Personalized License Plate in Georgia

Are you a driver in Georgia who has a desire to express yourself in a fun way? You can, when you choose to affix a personalized license plate, often referred to as "prestige plates" or "prestige tags" in Georgia, to your vehicle.


Get a Personalized License Plate in Arkansas

Are you witty, fun and creative? Do you want to be the only driver in the state of Arkansas with a specific license plate? You can, when you create a personalized license plate.


Get a Personalized License Plate in Kansas

Do you live in Kansas and want to stand out from all the other drivers in the state? You can when you affix a personalized license plate to your vehicle.


Get a Driver's License for Illegal Immigrants

As of July 2015, twelve states and the District of Columbia have passed laws allowing unauthorized immigrants to get drivers’ licenses. These states include California, Colorado, Connecticut, Delaware, Hawaii, Illinois, Maryland, New Mexico, Nevada, Utah, Vermont, and Washington.


Get a Personalized License Plate in Alabama

Alabama has a wide variety of personalized license plate backgrounds from which to choose. The designs range from colleges, military and more than 35 specialty groups, including race car fans.


To drive a race car takes a lot of skill. At the speeds that the cars go, every little detail is very important. This article will give you the basics on how to drive a race car.


A driver abstract is a record of your driving history. A driver abstract may be required for insurance purposes, as part of a court case, by an employer, or applying to drive outside of the country.


Being a racer is great but participating in any kind of racing (car, horse, foot, around-the-world, etc.) costs money. If you want to go racing frequently or if you want to race at the highest levels, you'll need to have sponsors.


Drifting is when the back of the car slides followed by a regain of control. When done properly (and safely), it is often very thrilling. Drifting can be fun when acted upon in a safe manner, and at a safe location.


Every province in Canada maintains its own driver license program. Ontario has a graduated license program with several steps. A full license is called a G licence, while the graduated steps are referred to as your G1 and G2.


Motocross is an exciting, adrenaline-fueled sport, but with a range of expensive gear and a seemingly exclusive community, there can be a steep barrier to entry.


Spinning donuts with your car is a great way to leave rubber on the ground and show off to your friends. Donuts can only be done properly in a small light car, otherwise your car will not spin.


Burning rubber, hot tracks, awesome cars. Like Bruce Springsteen says, when summer's here, the time's just right for going racing. But you don't have to have a '69 Chevy with a 396, Fuelie heads and a Hurst on the floor to get into this great sport.


While riding a motorcycle is great fun, doing tricks with it is more fun. There are many various actions to learn and do, and this one is easy to learn if you follow the steps as written below.


Get a Driver's License As an Undocumented Californian

A driver's license grants permission to legally operate a vehicle, and can be used as a valid form of identification. Under Assembly Bill 60 and section 12801.9 of the California Vehicle Code, you can still apply for a driver's license even if you cannot present proof that your presence in the United States is authorized under federal law.


In a burnout, the wheels of your car will spin at a high frequency, causing a large amount of smoke. The car will stay static until you pop the clutch, letting it spring into motion.


If you have experience with tricks and stunts, use the following steps to aid you in performing a stoppie on a motorcycle.


A bill of sale is an official document that is required for goods that are reported or registered. They are most often used for the private transfer of motor vehicles.


Automobile racing is popular throughout most of the world in various forms. The highest form of automobile racing is Formula 1. The cars used in Formula 1 are the most technically advanced racing cars in the world.


Most race cars do not carry enough fuel to complete a race from start to finish. They must return to the pit area for more fuel, which is commonly called a pit stop.


Everybody love NASCAR and wants to be a part of it. One way to do this is by buying official merchandise. This article will tell you how to get your hands on some official NASCAR merchandise.


Auto repossession is the process of taking back a vehicle that has not been paid for according to the terms of the vehicle lease or purchase agreement.


“Lemon law” is a colloquial term for state laws that govern new vehicles that need repeated repairs. Despite the repeated repair work, if a car still does not function properly, you may declare it to be a “lemon” and then take steps to replace it or collect a refund.


If you have received a speeding ticket from a federal agency or on federal property, you have three options to pay it. All options cost the same amount, but offer different ways to pay your bill depending on your means and personal preferences.


It is possible you could be involved in an auto accident at any time or place, so you should always be prepared. As motor vehicle accidents are quite frequent, having an insurance cover is more of a requirement than an advantage.


If you find an abandoned vehicle on your property, you may want to obtain the vehicle's title so you can legally repurpose the vehicle. The process of obtaining the title of an abandoned vehicles varies from state-to-state and can be quite complicated.


There are several reasons you might decide to give a vehicle as a gift. Perhaps you are giving it to a family member, such as a child who just received a driver's license.


Car accidents are one of the worst and most traumatic events you can experience in your daily life. With luck, if you and everyone else involved in the accident survive uninjured, the next worst part will be dealing with insurance companies.


Automobile insurance is the very embodiment of conflict of interest. Insurance companies normally seek to minimize their payments on claims in order to maximize their own profits.


There may be a variety of reasons that you would need to identify and locate the owner of a vehicle. Perhaps you witnessed or were the victim of a hit-and-run accident.


When you share a car with someone, you should have a written car-sharing agreement. You need an agreement even if only one of you owns the car. Before drafting the agreement, sit down and discuss when each of you will need to use the car and how you anticipate expenses being shared.


An RD-108 is a form that must be filed by the dealership in the state of Michigan in order for the buyer to legally drive the vehicle. If you work for a dealership in the state of Michigan you will find yourself filling out many of these forms and making many trips to the Secretary of State.


If you want to drive a commercial vehicle in the United States, you typically need a commercial driver's license (CDL). To get a commercial driver's license, start by contacting the state Department of Motor Vehicles (DMV) nearest you.


Get a Commercial Driver's License in Maryland

In the state of Maryland, commercial drivers licenses are issued and regulated by the Maryland Motor Vehicle Administration (MVA). To obtain a Maryland commercial drivers license, you will be required to practice driving commercial vehicles with a learner's permit and take a series of tests.


In the state of North Carolina, a commercial drivers license is required for drivers who transport a minimum of 16 passengers, such as a bus, and for drivers of large semi-trucks of a certain weight.


A bill of sale is a legal document that confirms the transfer of a vehicle's title from a buyer to a seller. It is often required by your state to be filled out properly and submitted, by the buyer of a vehicle as part of the registration process, to the local department of motor vehicles (DMV).


People who drive specialized vehicles on streets and highways in America must carry a commercial driver license (CDL). To obtain a CDL, applicants must meet certain basic requirements and then pass physical, knowledge and road tests.


To get a Commercial Driver License (CDL) in the state of New York, you will need to have a valid NYS driver license or a valid CDL from another state.


You will need a commercial driver’s license if you want to drive a tractor-trailer, large delivery truck, bus, hazmat truck, or tanker truck in the state of New Hampshire.


To receive a commercial drivers license in the state of Massachusetts, you must already hold a valid Massachusetts drivers license and visit your nearest Registry of Motor Vehicles (RMV) office to apply for a commercial drivers license.


Find Out if Your License Is Suspended (USA)

Finding out during a routine  traffic stop  that your driver’s license is under suspension could lead to your arrest or steep fines. In the United States, the laws pertaining to driver’s license suspension vary from state to state.


Driving in Japan requires a thorough understanding of Japanese traffic laws and the proper permit or license. Short-term visitors may only need an international driving permit, but long-term visitors or residents will likely need a Japanese driver's license.


Cover Your Relatives with an International Driver's Permit

If you are expecting visiting relatives from another country, they may wish to drive around while they are visiting you. It may be convenient to let them borrow your car, but you need to know that they are covered by insurance.


Conduct a Motor Vehicle Report Review for Prospective Employees

An employer may want to conduct a motor vehicle report review before deciding whether or not to hire a prospective employee, especially if the applicant will be driving as part of the job.


To receive a commercial driver’s license (CDL) in the state of Georgia, you can transfer your current commercial license from out of state or obtain a learner's permit.


Change an Arizona Driver's License Address

If you already have an Arizona driver’s license or identification card, and then you move within the state of Arizona, you need to update your address within ten days.


Change an Address of a Drivers License in Texas

If you live in Texas and move to a new address, you are required to notify the Texas Department of Public Safety (DPS) of your address change within 30 days.


Change an Address on a Driver's License in Wisconsin

If you move within the state of Wisconsin, you are required to notify the Department of Transportation of your new address within ten days. You can change the address on your driver's license in Wisconsin by filling out an online request, calling the Department of Motor Vehicles or mailing a request.


Ladies and gentlemen, start your junkers! There are many tracks where you can take a junk car to a spectator race. Spectator races have few rules; they tend to be a complete free-for-all.


The United States Department of Motor Vehicles (better known as the DMV) is a state-run government agency that’s responsible for things like driver licensing—such as issuing and renewals—as well as vehicle registration.


Change Address on Illinois Drivers License

Illinois law requires that all motorists notify the Illinois Secretary of State’s office of any address change within 10 days from when a person’s address changes.


Change Address on Colorado Vehicle Registration

Colorado residents who move to a new location or change addresses within the state must notify the Colorado DMV (Department of Motor Vehicles) within 30 days of moving, so that their vehicle registration and title certificate can be properly updated.


Your Texas driver’s license is an official form of personal identification. For this reason, it should accurately reflect your current name. Gather supporting documentation and visit your nearest Department of Public Safety (DPS) office.


Some people like to take the fast road in life. This article reveals the secrets to racing your car on a track.


If you are just learning to drive a go kart or hoping to win your first go kart race, this article will teach you the basics. Whether you want to start a hobby, drive better, or just get in first, this is the ultimate guide to small scale go-karting!


In karting, nothing is more satisfying than elegantly sliding up the inside of another driver, kart pitched sideways, tires chirping away whilst delicately adjusting braking pressure to maintain traction.


Mount Racing Go Kart Tires on One Piece Wheels

Removing and mounting racing go kart tires on one piece wheels. These tips are what has worked best. There is a risk of injury when mounting and removing tires.


Kart Racing is a fun activity to enjoy whether you race competitively or with family and friends. If you're looking to win, your driving skills are the most important factor to being able to have fast lap-times.


Select a Go Kart Racing Gear Using Gears and Tires

Most racers know about gear ratio and gear ratio charts are listed in numerous places. Gear ratios are figured using rear gear divided by clutch gear.


Overtaking in karting is as essential as having the best lap times. Karting is a form of motorsport that can mold you into a better driver and an even better racer.


Create a Go Kart with a Lawnmower Engine

Though go-karts traditionally use horizontal mount engines, with a little modification, you can install a vertical shaft lawnmower engine to be the driving force behind your homemade racing machine.


Karting in wet weather is extremely difficult, but if you master wet weather techniques, you can easily win by miles!


Nothing channels the inner speed-demon like tearing around on a go-kart. Building one yourself from a kit or from scratch can be a highly-addictive project, a fun garage activity for amateur mechanics of all ages.


The importance of balancing your go kart racing tires can not be overstated. Most people wouldn't even consider putting a tire on their car or truck that has not been balanced.


Why let automotive journalists have all the fun? Writing a car review that proves useful for other potential car-buyers is a fun and rewarding experience.


Hosting a car show should be a fun experience, but for some, it turns into a nightmare of stress. This article is developed to help guide folks who might be seasoned promoters or first time hosts.


Dispute an E ZPass Violation in New Jersey

New Jersey’s E-ZPass is an electronic toll collection system. Instead of paying cash or coins every time you pass through a toll, you prepay into your account and the fare is then deducted when you drive through the toll lane.


This article is a step-by-step guide to help you build a stock class Briggs and Stratton flathead for kart racing.


Want to build a show car? Here is a quick run down on how you can build your own show car. These steps will help point you in the right direction to get you started.


If you have an affinity for cars, marketing, and audio equipment, you might be interested in learning how to get a sponsor for sound offs. Sound offs are competitions in which cars demonstrate their custom-built audio systems and compete for titles and prices.


You're pulling out of a spot or changing lanes and  crunch!  — another vehicle is suddenly there and you're in the middle of a minor car accident. You don’t think it’s too bad, but you’re unsure of what to do.


Defend Yourself in a Car Repossession Deficiency Claim

If your car is repossessed, then the creditor will probably sell it at auction. However, if the amount of the sale is less than the balance of your loan, you can be sued for the deficiency.


If you need access to a car but can’t afford to buy one on your own, then you might think about becoming a co-owner. You could also sell a share of your car to a friend or neighbor, which could help you pay off your car loan faster.


The lower monthly payments and up-front costs of a car lease may have attracted you initially, but your situation may have changed since you signed that lease.


When you repossess a car, you have the right to sell it at auction or through a private sale. However, if the sale price does not cover the balance of your loan, then you can sue for the amount still owed to you.


Avoid Paying York University Parking Tickets

This is a short guide on how to legitimately avoid paying York University parking tickets. Please bear in mind that  this guide is only applicable if the student is not the owner of the car.


Change Address for Texas Car Registration

Texas residents can change the address for the location where their vehicle registration renewal notice is mailed by going to the Texas Motor Vehicle website, visiting a Texas tax office (or contracting vendor) in person, or by mailing a change of address form to the Texas motor vehicle department.


Apply for an International Driving Licence in the United States

The American Automobile Association (AAA) advises getting an international driver's permit, recognized in over 150 countries, even if you don't plan to drive when traveling.


Achieve a Settlement After Being Involved in a Truck Accident

If you're unlucky enough to be involved in a truck accident, you may have suffered property damage, experienced injuries, and lost income as a result.


Be Helpful When You Witness Damage to a Parked Car

Always remember that the damaged car you witness could be yours one day. How would you react if you saw damage occurring to a parked car and the perpetrator not leaving a note to explain?


Avoid Boating Under the Influence Charges

Boating under the influence (BUI) is just as dangerous as driving under the influence (DUI).  [1]   For this reason, all states have BUI laws just as they do DUI laws.


If your driver’s license has been suspended, or is about to be suspended, you may be able to appeal the suspension and have your license reinstated.


Ownership of a vehicle is established by the name or names that appear on the title. Most states will allow more than one person to claim ownership.


Get a Learner's Driving License in Bangladesh

Learners driving license is one of the prerequisites to get the actual driving license in Bangladesh. This is issued by Bangladesh Road Transport Authority (BRTA).


Apply for an International Driver's License

If you are going abroad and plan to drive while you are there, you will need to take steps to ensure that you are complying with the local laws and regulations, and you have all the necessary permits to drive there.


Dubai has very strict laws. If you are living there and want to start driving, the first thing you need to do is apply for a driver’s license. You will need to gather some documents and pass a few tests, but you will have your license in no time.


Reduce the Odds of Being Ticketed During a Traffic Stop

There are many ways you can  avoid a traffic ticket , and many ways you can  fight one after the fact , but what can you do when you're getting pulled over that will reduce your chances of getting written up?


Acquire a Driving License in Saudi Arabia

To obtain/acquire a drivers license in Saudi Arabia is not easy. Processes are defined to obtain a driving license. If you are already familiar with driving, you can get the license within 2 days.


A DOT number is a number issued by the United States Department of Transportation to entities that operate commercial vehicles. The DOT number serves to identify the vehicle and its owner.


Fight a Traffic Ticket in Washington State

In Washington state, you can fight a traffic ticket and win. However, you need to begin building your defense right away. You should identify why you were stopped and then find helpful information that casts doubt on whether you actually committed the violation.


Prepare for Court when Caught Driving with an Expired License

Driving with an expired license is considered a criminal offense in most, if not all, states. Even with this status, most police officers will only give you a warning.


Get Around While Your License Is Suspended

If your driver’s license has been suspended, whether for drunk driving, accumulating too many points on your driving record, failing to pay court-ordered fees, or another reason, you may be wondering how you’re going to get around.


Pay a California Highway Patrol Ticket Online

There you were, cruising down Interstate 5 on your way home to LA after that visit to Napa, when suddenly—the blue light special! You know the drill: license, registration, proof of insurance.


An online traffic school can help you avoid getting points on your license as a result of a traffic ticket. Unlike traditional traffic school, the online version allows you to take the course from your computer, whether at home, school or work.


Fight a Speeding Ticket in California with Ticket Busters

You're driving down the freeway at seventy miles per hour and all of a sudden, you see red lights flashing behind you. You get that feeling in your stomach that is all too familiar to some of us drivers and you know what is ahead. "


Traffic tickets have a lot of consequences. They carry steep fines, may affect your car insurance premiums, and can cause you to lose your license if you accumulate too many infractions.


A speeding ticket can result in huge fines and an increase in your insurance premiums. Thankfully, there are successful ways to fight a speeding ticket.


If you've received a red-light camera ticket and would like to challenge the citation for any reason, here is a guide that will help you better understand the court processes and procedures that will be required for your defense.


Parking violations are strict liability offenses, meaning whether or not you intended to park illegally is irrelevant. They're also not criminal offenses, meaning you can't be put in jail for parking in a loading zone, but you also don't have the benefit of being innocent until proven guilty and you can't request a jury trial.


A speeding ticket is a traffic ticket issued by a law enforcement official to someone driving over the legal speed limit. Many individuals simply pay any penalties associated with the ticket.


California law prohibits drivers from making telephone calls or sending text messages on a handheld cell phone while traveling. Drivers under 18 cannot even make hands-free calls.


Fight a New York Speeding Ticket at the Traffic Violations Bureau

The Traffic Violations Bureau (TVB) handles traffic ticket violations for New York City and Rochester only. The TVB was created to allow the criminal courts to only handle criminal cases, such as driving while intoxicated.


You check your mail to find a notification that a camera has caught you speeding, or running a red light. The camera took a picture of your car and your license plate, and now you're expected to pay several hundred dollars.


Nearly 6,000 miles  [1]   of toll roads criss-cross 21 states in the United States.  [2]   Many of these toll roads have automatic payment systems to smooth your commute and reduce the jams created by requiring drivers to stop at toll booths.


Speeding tickets are easy to avoid if you're vigilant and proactive. Being an attentive, careful driver and keeping yourself from speeding is the best way to avoid a ticket; this involves identifying your speeding triggers, preparing for all eventualities on the road, and staying aware of your speed at all times.


Crossing a toll booth is always a bit of a bother, but this minor annoyance can become a major source of anxiety if you realize you're fresh out of cash.


Tens of millions of traffic tickets are issued each year, raking in big revenue for state and local coffers. For the motorist, even one speeding ticket can raise your insurance premiums for several years, and multiple violations can push your rates through the roof.


Cities around the world use parking inspectors for revenue raising. The best way to avoid paying a parking ticket is to park legally and avoid ever getting one.


65?! What's that about? And to top it off, speeding tickets in California can cost you a lot more than just the cost of the speeding ticket. These tickets can cost upwards of $300 and will put a point on your driving record as well.


Fighting a traffic ticket may feel like an uphill battle. In most jurisdictions, minor traffic violations such as speeding are infractions, not crimes – meaning you don't have the same rights as defendants do in the criminal courts, such as the right to a jury or the right to a free attorney.


Getting stopped while driving and charged with driving under the influence (DUI) or driving while intoxicated (DWI) can be a traumatic experience. You will need to attend one or more hearings, and, in many states, can lose your license for at least a few months.


Spot a Drunk Driver and Respond Appropriately

If you are driving along the road and you suspect that a fellow motorist may be intoxicated, take a moment to consider some important tips in confirming your assumption.


If you are arrested for Driving Under the Influence (DUI), then you will be taken to the police station and booked. After being booked, you will have to attend one or more hearings in front of a judge.


Request Alternative Sentencing for a DUI

The penalties for driving under the influence (DUI) can be stiff, and may result in additional consequences such as losing your job. In recognition of this, jurisdictions all across the United States have introduced some alternative sentencing options designed to enhance rehabilitation and give you a second chance.


Release an Impounded Car Used by Someone Else in a DUI Arrest

When someone is arrested for a DUI, the car they're driving will be impounded unless there's someone else in the car who can safely drive the car. This means that if someone else, such as a friend or family member, borrowed your car and was arrested for a DUI, your car likely has been impounded by the police.


A conviction for driving under the influence of alcohol or drugs (DUI) can lead to jail time, stiff fines, court fees, and insurance increases. If you are charged with DUI, you can take steps to help minimize these costs.


Legally Get a Scram Device Removed Early

A SCRAM bracelet is usually ordered after you have been convicted of a Driving Under the Influence (DUI) charge. The bracelet continuously monitors your alcohol consumption by testing the alcohol content in your sweat.


Handle an Aggravated DUI on Arizona Navajo Nation Land

When you're arrested on Navajo Nation land, which court has jurisdiction over you and which law applies can be complicated. Federal law makes a distinction between "Indian" and "non-Indian" defendants.


Drinking and driving can lead to serious consequences, including criminal convictions, civil liability, injuries, and death. Do not, under any circumstance, drink and drive.


When stopped for DUI, your first goal should be to avoid doing anything to make the police officer suspicious. Hand over any requested documents and keep conversation to a minimum.


Cross Examine a Police Officer in a DWI Trial (New York State)

Your client is accused of violating section 1192(3) of the NY Vehicle and Traffic Law known in some places as a: DWI refusal" or a "usual Law DWI"; albeit there is no chemical test, and the proof will come down to police observations to prove intoxication.


Being charged with an Illinois DUI (Driving Under the Influence) is an unfortunate but relatively common occurrence. There isn’t much of a worse feeling than seeing red and blue flashing lights in your rearview mirror on the way home from a bar or party, but there are ways and steps you can take to beat Illinois DUI arrest cases and prove your innocence.


The season of light can be very dark for many people. The holidays represent a stressful time for most. Expectations are high, commitments are many, and time seems more scarce than ever.


Behave when Stopped for DUI in California

In California, you can be arrested for DUI if you have a blood alcohol concentration (BAC) of 0.08% or higher. You can also be arrested if you are driving under the influence of alcohol or drugs, regardless of your BAC.


In Washington state, a conviction for Driving Under the Influence (DUI) carries stiff penalties. Depending on your blood alcohol content (BAC), you could spend up to a year in jail and lose your license for over a year.


Driving under the influence of alcohol or other intoxicants that impair your ability is a violation of law in all 50 states and Washington, D.C.  [1]   Whether your particular state refers to the violation as “driving under the influence” (DUI) or “driving while intoxicated” (DWI), it can result in severe consequences—including jail time—that will impact not only you, but your loved ones as well.


Avoid Electrical Problems During the Holiday Season

Decorations that require electricity are quite common during the holiday season. Strings of lights both indoors and out are often displayed in celebration of Christmas, Chanukah, Thanksgiving, and other fall and winter holidays.


Witnessing the summer solstice is something everyone should take the chance to do at least once in a lifetime. Whether it's done as a tribute to the long-observed Midsummer rituals held throughout history by humanity or simply by way of a desire to witness the Sun on an astronomically significant day, this activity is a way of celebrating many things depending on your cultural, religious or faith background, or other interests.


In Georgia, you can be arrested for a DUI even if your blood-alcohol content is below the commonly understood "legal limit" of 0.08. If you get pulled over under suspicion of driving under the influence, behaving properly can make all the difference in your case.


September 19 be "International Talk Like a Pirate Day." Any seadog worth their salt knows that to talk like a pirate, ye must know their lingo and adopt a scurvy pirate accent.


Whether you're trying to lose weight, or simply maintain your current weight, the holiday season can present a particular challenge. With all of the tempting and fattening foods being passed around, it can prove a challenge to keep eating healthily during the holiday season.


Whether it's Father's Day, your dad's birthday or some other special occasion celebrating your dad, homemade food is a fantastic treat for dad that demonstrates your love and your desire to avoid the usual tie or pair of socks!


Independence Day is lots of fun for you – you can celebrate your independence with bright fireworks, a party with friends, parades, and ice cream and beer.


Do you need to recycle your left over bits of fabric? Is your fabric stash outgrowing its allotted storage space? This is an opportunity to up-cycle those fabric leftovers and decorate for holidays at the same time!


Avoid Celebrating National Days and Other Events

St Patrick's Day again. Mother's Day. Secretaries Day. Valentine's Day. It is possible that there is a celebration for every day of the week if you look hard enough.


Whether it’s one day off or a week, you don’t need to be surrounded by people to have a great holiday. Being alone can be relaxing and enjoyable. You can use your holiday to do all the things you never have time for in your every day routine.


Are you a preteen, but others treat you like a toddler? That might be caused by your immaturity. If you want others to stop treating you like a baby, you can attempt to become more mature.


Finally, spring is here! Make the most of this time of year that promises renewal and reawakening after the short days and long nights of winter. Here are some suggestions to help you spring right into Spring with a great attitude.


Not everybody likes to join others and be social during school. Being a loner in school means you don’t want to make friends or interact with your peers.


If you're a preteen, you might worry that people will be unkind or talk down to you on the Internet due to your age. However, it is entirely possible to avoid this by acting mature online.


Occupational therapists work with people across the lifespan to help them do the things they want and need to do, despite injury or illness. Their work includes mental health, where they help people in all aspects of their daily lives to succeed in their life roles (parent, worker, friend, student, etc.).


Being a good girl can change your life as a teenager. You will feel better about yourself and have an easier time at home and at school. If you want to impress your family, friends and teachers, you'll really want to follow these must-do steps to transform yourself into a good girl.


You are super excited that your girlfriend, friend, or crush has invited you over -- and suddenly the nervousness hits you. Whether meeting the family, just spending quality time together, or moving in for a longer period of time, the number one rule is to be honest, courteous, and respectful.


Being a teenager can be difficult with your hormones going wild, but that doesn't mean you can't enjoy the teen years. If you're looking to have enjoyable teenage years, there are many things you can do—big and small—that can make a huge difference!


Sometimes it may seem like you’re always getting into trouble with your teachers or your parents and that no matter what you do you just can’t seem to get things right.


Clean the Filter for a Tabletop Fountain

Is your fountain pump getting slower and slower? It may be the filter... here's how to clean that thing.


There is nothing like an outdoor shower on a hot day. Whether you just want to rinse off before entering the house or want to enjoy a nice shower under the stars, everyone can love an outdoor shower.


A shed solves a lot of storage needs for outdoor tools and equipment. It is also a great place for work projects that won't clutter up the garage. This wikiHow will teach you how to build one.


When your  shed  or other  storage building  no longer provides enough room, you can add additional storage if you add a lean-to onto a shed. If the existing  shed  is structurally sound and has an exterior  wall  to which you can attach your lean-to, adding a lean-to can be a fairly simple project.


Carports are standalone structures useful for protecting your car, boat, or other motor vehicle from the elements. Some are built on top of secure foundations while others are freestanding structures.


Water fountains come in all shapes and sizes, from decorative water fountains to drinking fountains. Cleaning these fountains mostly involves scrubbing them down and making sure to remove any hard water buildup.


Adding storage space to a garage is a great way to  organize your garage  and free some room. Before you begin adding anything new to your garage, you will first need to organize it by sorting your things and drafting a floor plan.


Paint an Ordinary Garage Door to Look Like a Wood Garage Door

Here's an inexpensive DIY faux painting project that you can do to improve the curb appeal of your home especially if you have a boring white garage door.


Painting a garage floor essentially involves the same steps as painting any other interior surface in your house: first priming and then painting the surface area.


If you are planning on getting a new shed, you will first have to take some time to prepare your garden. This preparation involves picking a spot for your shed, clearing your garden, and creating a hard standing.