Paying your bills online is a more convenient and usually cheaper option than paying by mail or in person. Although you might only save yourself the cost of a stamp, you can be reassured that the money is transferred directly and you have a confirmation in your inbox.


Airtel is a large telecommunications company. They provide mobile phone service, Internet and digital television in 19 different countries in Asia and Africa.


Setting up online billing saves you time and money, while cutting down on paper. Directv.com allows its customers to view and pay their bills online for their satellite service.


Generally, utility companies are fair and your bill won't come as a shock – but mistakes happen. Your meter might have been read incorrectly, a number was transposed due to a clerical error, or maybe your meter is no longer accurate.


You may find yourself in over your head with debt. Debt collectors might be hounding you for payments and it may seem like you can't catch a break. Hiding from debt collectors won't ultimately solve your problems; eventually you will have to pay and settle your debts.


Fraud is a criminal offense perpetrated when an individual deceives others for financial or personal gain. Most national governments have an agency or a number of agencies that take on the task of controlling and stopping fraud.


With house arrest, you are confined to your home instead of being sent to jail. People typically request house arrest before trial as a condition of bail or after they have been convicted of a crime as punishment.


Select an Attorney for a Criminal Appeal

After being convicted of a crime, you have the right to an appeal. On appeal, your lawyer will ask that your conviction be set aside because the judge made a mistake or because the verdict was completely unsupported by the evidence.


International fraud can take many forms. Today, most  international fraud  is committed over the Internet. For example, you may receive an email claiming that you won the lottery or that a distant relative left you money.


A misdemeanor, in most states, is defined as any crime with a potential punishment of up to one year in jail.  [1]   Typical misdemeanors include assault, shoplifting, trespassing, or driving without a license.


A court hearing can be really stressful, whether you're guilty or innocent. Learning how to keep your cool in court will help you to get through the ordeal and move on.


Prove You're Innocent when You've Been Accused of a Crime

If you were accused of a crime you didn't commit, you should begin formulating your defense immediately. Start by identifying evidence that could bolster your case, and refrain from offering the police anything incriminating.


Murder is a criminal offense in every jurisdiction, although jurisdictions might define murder slightly different. In most states, there are two kinds of murder: first degree and second degree.


When you hear the word "assault," you may think of the crime, but you also can sue someone in civil court for assault. Civil charges of assault are completely separate from any criminal charges, and you may get money from an assailant for civil assault even if he is found not guilty of criminal assault.


"Statutory rape" refers to the crime of engaging in consensual sexual activity with a minor who is considered to be too young to be able to give informed consent.


Prove Parental Accountability for Juvenile Crime

Most states have some sort of parental responsibility law, which holds parents accountable for juvenile crime committed by their children. Parents – or any adults regardless of their relationship to the child – may be charged with contributing to the delinquency of a minor if they assist in juvenile crime.


It seems that everyone needs to pinch their pennies at some point in their lives. Here's a selection of things to try while making the most out of the little you have.


Whether you're saving to buy a house, go on vacation, or you're just saving for a rainy day, it's important to have a family budget. After setting your financial goals, you should calculate how much you're earning and how much you're spending.


Under the U.S. Constitution, a defendant may only be tried once for a crime. Sometimes, however, the prosecutor might charge a single offense in several counts.


Children who have been abused or molested by adults need a lot of help to ensure that they are kept safe and secure and that their abusers are brought to justice – they cannot do it on their own.


Trust us -- you are in good company when it comes to wanting to live on a budget. More and more people are looking for ways to make their dollars stretch longer than ever before.


Maintaining a budget is probably the hardest thing for a person to do. You’re the one that is supposed to maintain money, instead of wondering where it went.


With a commission only paycheck, it may seem impossible to create a budget that takes care of your bills on a consistent basis when your own income is so changeable.


We may fall into this period of time when we have been laid off/fired from a job, or when we couldn't take it any more and had to quit that position that was killing us.


Believe it or not, it is possible for a couple to live on the earnings of only one income. Doing so is not as difficult as you think. Below are some tips and some information to help you decide if one income is right for you.


Nobody ever said it was easy—or fun—to live on a tight budget. Still, if you go about it the right way, you can cut expenses and live a good life at the same time.


The opportunities that a big city offers can keep you happy, social, and engaged while staying true to your budget. Perhaps the most important factor is finding accommodations that have what you need for an affordable price.


There are many methods that can be used to have fun with loose change that is found lying around the house.So grab those pennies,and keep reading.


If you are currently a Comcast customer, or are considering becoming a Comcast customer, there are numerous ways you can receive a discount on your services or total bill amount.


Thomas Kinkade, known as the "Painter of Light" was a landscape artist whose work is popular in the United States. Some statistics estimate that 1 out of every 20 homes has a Kinkade painting.


Manhattan is the most expensive borough in New York City, but there are ways to make it more affordable. You can save on rent, food, transportation, and entertainment if you know how.


Scrap metal is any object, appliance, or machine that is damaged or no longer useful but contains metals of some value -- and many recycling facilities and scrap yards will pay good money for it (especially after a recent boost in demand from overseas).


Selling things is easier than ever before. It's also cheaper. Whether you want to sell a single product or many, you can easily reach an audience. There are proven techniques that will help you become more successful at selling things, either online or off-line.


A second car can be an important addition to many households, and while a second car does represent an additional expense, it is still possible to find one on a budget.


OLX is an online vehicle for classified ads, similar to Craigslist in the United States. However, OLX currently operates in emerging markets, such as Brazil, India, and Poland, among others.


For many people, sticking to a strict and meticulous budget is both daunting and difficult. Rather than feeling like you must line item every single expenditure, a simple and effective alternative is to follow at 80-20 budget.


Use Google Adwords Content Network to Create Wealth

Here is a method to make money using Google adwords that does not even require having a website.


Most 45s are seven inches in diameter and were popular from approximately 1949 to 1989. While some may be worth only pennies, there are others that sell for hundreds of dollars.


Sell Advertising Space on Your Car to Make Money

You can make your car into a rolling billboard and get paid to drive. Instead of maintaining their own fleet of cars, companies now pay drivers to use their personal cars as advertising space.


Finding the perfect price for selling furniture can be difficult. You can't exactly sell at market value, and you don't want to walk away knowing that you could have made more money.


Whether you've fallen behind on bills, need cash for a sudden emergency, or simply want to start up a savings account, there are many ways to  raise money  quickly and legitimately.


There are many ways in which you can establish financial health in your personal life. These ways have one common ingredient: self-discipline. No method will work if you are not consistent in forming and maintaining good earning and spending habits.


Do you need some extra cash? You can make some money right from your computer. Don't expect to get rich fast, but with some patience, you can make some nice pocket change.


Make Quick Cash in an Old People Neighborhood

Elderly people in your neighborhood can often do with a helping hand to make life a little easier. If you plan things well and you're considerate about keeping the costs down, you may be able to make some money by being helpful or offering useful items.


If you need to make money quickly, playing the lottery is certainly not your best bet. The odds of winning the lottery are incredibly long, so why not try other ways to earn money quickly that will have more guaranteed returns.


Financial trouble can strike suddenly and can come from a variety of sources. Perhaps you lose your job, suddenly find yourself in credit card debt, or lose it all on an investment gone wrong.


As currency is used and passed along, it sometimes becomes damaged. That damage can range from simple tears and wrinkles on paper currency, to more severe damage like burn marks, water damage, or chemical contamination.


It can be difficult to come up with cash at short notice for an emergency. Fewer and fewer people have secure jobs and savings accounts to rely on during tough times or unexpected circumstances.


When someone dies, their assets aren't immediately distributed to their family members and heirs. Rather, a complicated legal and financial process begins.


Money clips offer flexibility, safety, convenience and style. There are situations where a money clip is more feasible than carrying around a large, bulky wallet in your back pocket.


Make Money With Old Outdated Electronic Devices

Have you ever looked around and saw some people are trying to get rid of their old outdated desktop, laptop, old cellphone or similar product or is trying to sell them for dirt cheap?


If you’ve had outstanding debts, overdrafts or other banking problems in the past that lead to your losing your checking account, it may be difficult to open a new one.


Hire an International Private Investigator

International private investigators are professional investigators specializing in multiple countries, or investigation companies that are based outside of the country where the client resides.


There is an estimated 400 Billion dollars of unclaimed money in the United States. [  citation needed  ]  Billions of dollars are left unclaimed as people are not aware of money they are owed.


Find Information on Money Market Accounts

Money market accounts are insured by the government, which makes them safe places where risk-averse individuals can keep extra cash that won't lose value when the stock market declines.


In order to keep our schools safe, school officials sometimes need to search a student or their belongings. Doing so can uncover drugs, weapons, or other implements.


If you need to track a person down, keep an eye on someone’s activities, or otherwise learn information, you may be thinking about hiring a private investigator (PI).


Whether it’s a few hundred dollars or a few thousand, everyone could use a little extra cash. With millions of dollars out there waiting to be claimed in loan refunds, inheritance, and insurance settlements, some of it could be yours.


Some drugs, such as methamphetamine, are manufactured in illegal laboratories. The people who run these labs, called "cooks", put themselves, their neighbors, and even their children at danger from toxic chemicals.


Bail enforcement agents, also known as skip tracers or bounty hunters, track down and apprehend fugitives – either those who failed to appear in court after being released from prison on bail, or those who have disappeared in an attempt to avoid other obligations, such as credit card debt or child support.


Legally Carry a Knife or Other Non‐Firearm Weapon

Many people prefer to carry a firearm for self defense. However, even if you're not comfortable carrying a firearm, you may want to carry a knife or other weapon such as brass knuckles or a club in case you need to defend yourself against an assailant.


A warrant for your arrest can arise from a number of circumstances, from a missed court date to being wanted in connection with the commission of a crime.


Being financially prepared to live on your own can seem like an overwhelming process. However, the pride that comes with financial independence is well worth the effort.


In the U.S., a car is stolen once every 44 seconds.  [1]   If you believe your car has been stolen, you must report the theft to the police. However, you shouldn’t stop there.


Find out if a Person Has an Arrest Warrant

If you or someone you know has a warrant out for their arrest, that person needs to know so that he or she can resolve the warrant before any additional consequences accrue.


The most memorable part of any arrest record is the mugshot: the photograph of the offender soon after being booked. You can find mugshots online by checking one of many websites.


Arrest warrants can be issued for a variety of reasons. These may include failure to pay a fine or post bail, failure to appear for a court-ordered hearing, or failure to comply with some requirements of probation or parole.


Whether you're worried about a family member who didn't come home and might be in trouble, or you're a small business owner concerned about an employee who hasn't come to work without warning, you can find out if someone has been arrested fairly easily.


You may be granted house arrest if you are convicted of a non-violent crime, or released on bail pending trial. Your legal representation will have to convince the judge that you would benefit from house arrest and would not be a flight risk, or a potential danger to others.


Crime is a serious problem, even in small communities. In order to fight crime at the local level, you should report criminal activity to your local police.


Most crime is fought at the local level. However, the federal government can help fight crime by giving more money to states for anti-crime policies.


The FBI is the federal investigative service of the United States tasked “to protect and defend the United States against terrorist and foreign intelligence threats and to enforce the criminal laws of the United States.”


Preparing for a criminal trial is time consuming. As soon as you know you are going to trial, it is important that you begin to prepare. Proper preparation requires getting legal counsel, staying out of trouble, and deciding whether to testify.


If you have been arrested and charged with a crime, the first opportunity you will have to get in front of a judge will usually be the arraignment. At your arraignment, the judge and prosecution will inform you of the charges against you, ask for your plea (i.e., guilty, not guilty, no contest), and determine bail.


Carefully opening a file in a Criminal Defense Office is critical to the management of the case. A failure to take each steps can and will cause the office to miss important dates for filing that can cost it the defendant his freedom.


The U.S. legal system provides the possibility of commutation as a last resort to shorten or end your prison sentence after all possible appeals have been exhausted.


If you are charged with the violation of a crime, you must plead guilty, not guilty, or nolo contendre (no contest). Although you enter your initial plea long before the trial takes place, you can change it later.


In some courts, you have the ability to plead guilty to a crime by completing a form and mailing it in to the court. If this is an option for you, then you should get the form and complete it.


Shoplifting causes retail losses of billions of dollars each year in the United States. Therefore, it is understandable that merchants may wish to detain shoplifters and pursue legal action against them.


The majority of criminal cases don't go to trial. Rather, the defendant pleads guilty, typically after he or she reaches an agreement with the prosecuting attorney as a result of plea bargaining.


A nolle prosequi motion terminates a criminal prosecution. The prosecutor might decide to file this motion because s/he has newly reviewed the case and no longer thinks there is enough evidence to go forward with trial.


Identify Vandals, Criminal or Malicious Mischief Actors

How do you identify vandals? Are you interested in vandals and their crimes: What about damages to property, breakage or ruining -- versus -- losses in money value, without actual breakage... Here are suggestions.


Gambling is a popular activity in the United States but it is often conducted illegally. The line between legal and illegal gambling can be incredibly difficult to find as it varies from state to state.


Legally Defend Yourself when Assaulted by an Elderly Person

U.S. law includes significant protection for senior citizens. Usually if you are the victim of assault, you have tremendous legal protection. However, if you are assaulted by an elderly person, the law may not treat you as a victim.


Being charged with a crime doesn't always mean you'll have to plea bargain or face trial. Many criminal charges are dismissed, either by the prosecuting attorney or by a judge, long before trial is contemplated.


Being accused, suspected, or charged with a sex crime is an incredibly serious situation. If you or someone you know has found themselves in this situation, it is important to hire a qualified attorney right away.


Nearly 90% of criminal prosecutions in the United States are resolved by a plea bargain. If you have been charged with a crime, you will most likely have the choice to accept a plea deal instead of taking your case to trial.


If someone has assaulted you, then the state may want to prosecute the perpetrator. Because assault is a crime, the state does not need your permission to bring criminal charges.


Being arrested can be a life altering and traumatizing experience. Unfortunately, there is no easy way out of the criminal process, and whatever follows your arrest will probably involve a lot of time and money.


Handle Off the Field Criminal Conduct Charges

As an athlete, an arrest for criminal conduct off the field could potentially end your career. You could be convicted and sent to prison. Also, a conviction could end your ability to get endorsement deals.


Monthly budgeting is an important process that helps you to avoid debt and save for the future. In the past, people have used ledgers and envelopes to keep track of their personal finances; however, now you can use anything from an Excel document to a smart phone application to track your purchases.


With utility prices on the rise it’s no wonder that many people want to shop for the cheapest electricity company available. There are some important things to consider before you start shopping.


Spring break is a time to get away from the stress of normal life. If you're on a tight budget, you can still have plenty of fun during your time off.


It can be difficult to earn and save money, especially if you are not great at money-management and are struggling to pay off your debts. But earning an income is the first step to saving money and paying off any debt that may be limiting your finances.


A pawn shop can be a good place to get a few extra dollars if you need a loan or a quick sale. Pawn shops typically allow you to either sell an item outright, or place the item in the temporary care of the store in exchange for a cash loan, which must be paid in full plus interest by a specified date.


A budget is a great way to take control of your finances and save for some goal or maybe just get out of debt.


To be able to make cuts in your budget first you need to know your full income & expenses. You also need to know where your finances are leaking money so record keeping is an important place to begin.


Although it may not be the most exciting thing you do, an annual operating budget is essential for every business, whether for-profit company, non-profit organization, or professional partnership.


In many areas, municipal garbage pickup is done on a weekly basis. In the spirit of reducing household costs as much as possible, here are some steps to help you cut down on garbage pickup expenses.


Most people tend to think of their living expenses as something that’s set in stone. After all, you’ve got to keep the lights on, and making sweeping changes to your spending habits just isn’t feasible in most cases if you’re already making or saving less than you’d like.


Budgeting Personal Finances has always been one of the crucial aspects of success of an individual. Execution of one's personal finance budget often requires discipline and perseverance.


For many, financial freedom is the ability to maintain a comfortable lifestyle while saving for the future and staying out of debt. Achieving it requires restraint and careful planning.


Formulating a realistic business budget is an effective way to help keep your business profitable. A budget will involve making a revenue forecast, estimating your costs, and leaving enough room for a reasonable profit margin.


A budget spreadsheet is used to help you control your expenses. You will be surprised at how easy it is to keep your finances in line with this tool.


Budget sheets are useful tools that help you manage your income and stay out of debt. Creating a budget is important for everyone, be they college students, families, or businesses.


It can be a difficult and challenging task to earn money when you might not have any. Most business ventures require a substantial amount of start up funding and obtaining many jobs can carry their own costs.


Multilevel marketing (MLM) companies use a network of independent distributors to sell products directly to people in the community. Examples that most people think of when they hear about MLM companies include Avon and Mary K Cosmetics.


A budget can help you build up some savings or just make your money last between payday. With things continuing to be more and more online, Mint. Com can help you with that!


Looking for bucks in all the wrong places? Online surveys are a  great  way to pad your paycheck on your own time and with minimal effort. To find legitimate sites, go through the registration process, and become eligible to take surveys, follow these instructions.


For many people making crafts is a hobby. It can be a form of relaxation, or a way to provide handmade gifts to family and friends. But some people make supplementary income by selling crafts, or even do it as a full-time job.


Whether you're selling food, products, or art at a festival, you of course want to make as much money as possible. You need to make sure you find the right festival for what you sell, as well as maximize your products' potential at each show.


Even if you don't have a lot of time to spare you can still earn money part time. Part-time jobs require only a few hours of your time per week. You could also sell your services to others.


Why not make a little money while browsing thrift stores. Below you'll find some tips on how and what to purchase that you can resell on your local Craigslist or other local selling site.


If you're looking to bring in some extra cash or maybe start a new career, selling on eBay could be the answer you're looking for. There's money to be made by becoming part of the eBay seller community.


Are you tired of seeing all those online scams about working from home, but you really need a job that works with your schedule and needs? It is possible to get actual jobs that can be done from home (and aren't pyramid schemes!)....so read below to find out how!


The premise that you can make money by borrowing money is questionable and high risk as credit card companies are not in the business of making other people money.


Exchanging old currency may be necessary for several reasons. If your currency is old and damaged, you may want to exchange this currency for newer and usable currency.


There are multiple different ways that you can make money growing vegetables. For instance, you may have a small plot of land and want to sell produce directly to your customers through roadside stands, farmers markets, and community supported agriculture.


There are more than enough routes to excel. The predominant is so essential I’m essentially humiliated to state it: spend less than you gain.  -Paul Clitheroe Isn’t it the Gospel Truth, material to every one of us?


According to The Humane Society of the United States, 39 percent of all U.S. households own at least one dog, and 33 percent own at least one cat. In fact, it is estimated that Americans keep 60 million more pets than there are humans in the U.S. Taken as a whole, it is easy to see how people collectively spend billions of dollars each year on pets and their supplies and services.


Whether you’re caught in a rain storm or your bills got soaked in the washing machine, it’s easy for money to get wet. Thankfully, all hope is not lost and your bills can easily be salvaged.


There are lots of things you can do online, including making money. From taking online surveys to working as a freelance article writer, there are lots of ways to earn money online.


Establishing money management skills is a necessary undertaking, whether you are single or married with children. The sooner you learn how this is done, the sooner the skill becomes second nature.


A money market fund is a type of mutual fund that is required by the government to invest in only low-risk investment vehicles, such as certificates of deposit (CDs), government securities, and other highly liquid, low-risk securities.


Before calculators and computerized cash registers, people actually had to count out change by hand. Even in the digital age, you may find yourself in a situation when the register is not working, or perhaps you entered in the wrong amount and will need to be able to count out change on your own.


Counterfeit trade dollars have pretty much flooded the market over the past decade. Buyers of trade dollars had better know what they’re buying, and if you don’t know how to tell a counterfeit from the real thing you are best off just buying coins graded by PCGS, NGC or another recognized service that certifies the authenticity of the coin.


You may want to contact Child Protective Services (CPS) for a variety of reasons. The most common reason is to report a suspicion of child abuse or neglect.


Behave when Questioned by Federal Agents

The way to behave when being questioned by federal agents, or really any kind of police authorities, will vary depending on the situation. Depending on the situation, you could be questioned by agents of the FBI, Department of Homeland Security, Drug Enforcement Agency (DEA), or Naval Criminal Investigative Service (NCIS).


To develop financial responsibility one must consider several factors, most importantly stage of life. Small children need to learn the fundamentals of how to manage money, while teenagers should be focusing on near term goals such as saving for college.


Arresting someone is complicated. You must have a legal reason to make the arrest, and you must follow certain procedures when making the arrest. Police officers should be given a detailed policy explaining the amount of force that is appropriate depending on the circumstances.


There are several ways that a warrant could be issued for your arrest and you may not know about it. Some warrants are issued because the police believe they have evidence of a crime, but more warrants are issued for civil (non-criminal) matters.


Setting  up and using a Price Book will help the  consumer   save money  when it comes to  household  purchases. Price Books normally contain categories for different  food  and household purchases.


Help a Friend Who Gets Arrested in the Middle of the Night

It is two o'clock in the morning, and someone you know has been arrested. You know your friend needs legal help. You can prepare yourself with what you should know and what you should do if a friend is arrested.


Knowing how to handle getting arrested will minimize the legal penalties that follow such an arrest. Additionally, knowing your rights will help you get the desired outcome in your case.


In the United States, a private person can stop or “arrest” an individual engaged in a serious crime. You can also use reasonable force to hold them until law enforcement arrives on the scene.


Whether you are a police officer, bail bondsman, or security guard, handcuffing people may be a daily occurrence in your line of work. Knowing how to use handcuffs correctly is important for ensuring that either you or the person handcuffed are not injured or to avoid being surprised by an escape from the handcuffs.


Businesses and non-profits create conflict of interest policies to ensure board members, employees, and managers do not seek personal gain while working for the organization.


Once you have made the decision to close your company, there are steps you must take to officially wind down the business and limit liability. Whether your company is a partnership, LLC, or a corporation, you must review your organizational documents and state law for guidance on how to begin the legal process of dissolving the business.


Directors and Officers of both for-profit and not-for-profit corporations owe their corporation a fiduciary duty. A fiduciary duty is an obligation that one party will act in the best interest of another party.


In the United States, price fixing occurs when competitors enter into an agreement to maintain, raise, or lower the price of goods or competitive terms.


Taking a company public, also called an initial public offering (IPO), is the sale of stock that allows the general buying public to own equity in a company.


Register Your Business with the Alcohol and Tobacco Tax and Trade Bureau

The Alcohol and Tobacco Tax and Trade Bureau (TTB) registers businesses that sell, manufacture, import, or export alcohol or tobacco products and collects the special occupational tax for alcohol and tobacco operations.


If you have been convicted of a federal crime, then you can seek a Presidential pardon if at least five years have passed since you completed your sentence.


Safeguard Your Organization's Trade Secrets

Many people think that intellectual property is all about inventions, beginning and ending with patents. However, you may be surprised to find that many companies never invent anything and still own intellectual property that they need to protect.


Get Into Pretrial Intervention In Williamson County, Texas

If you have no prior criminal history, you might qualify for the Pre-Trial Intervention Program (PTIP) in Williamson County, Texas. The purpose of the program is to identify and educate first-time offenders.


Once you've been convicted of a crime, this doesn't mean your criminal case is over. Even after you've exhausted any possible appeals, there are still ways to get your prison sentence reduced.


Take Legal Action Against Refusal to Deal

Under federal and state antitrust laws, in particular Section 2 of the Sherman Act, it is illegal for one company to refuse to do business with a competitor in extremely limited circumstances.


After a criminal conviction on domestic violence charges, the judge typically issues a no-contact order. This order provides stiff sanctions, including jail time, if the offender attempts to contact the victim of the assault.


Old criminal convictions can make it difficult for you to rent an apartment, advance in your career, or get a professional license. If you're ready to move away from your criminal past, getting a governor's pardon is the only way to have that conviction removed from your record in Pennsylvania.


A pardon is a legal form of forgiveness which removes any penalties and punishments related to the conviction.  [1]   For example, if you receive a pardon then you may once again be able to vote, serve on a jury, or possess a gun.


In criminal law, most offenses are either felonies or misdemeanors. A felony is a serious offense that carries a punishment of a year or more in prison, while a misdemeanor usually carries a maximum sentence of up to a year in jail.


If you have been convicted of a felony in the State of California, and since your conviction you have had no further criminal charges or convictions, you may be eligible for a pardon from the governor.


There are many criminal defense attorneys offering their services to people charged with a crime. In fact, criminal defense is one of the more popular legal fields.


Find out if Something Is Illegal Before You Do It

There are a multitude of laws in the United States across numerous states and localities, meaning that it's impossible to know every law off the top of your head.


Like contempt of court and tampering with evidence, perjury is considered a crime against justice. As a crime, private citizens cannot file charges accusing anyone of perjury – only a state prosecutor or district attorney can file charges of perjury.


If you are preparing to incorporate a new business, you may want to consider incorporation in the state of Delaware. Delaware offers many benefits for corporations that may not be present in the business owner’s home state.


Forming an Illinois corporation establishes credibility with customers, prevents other businesses from using your name, protects your personal assets, ensures the business continues in the event an owner dies and provides tax benefits.


Forming a California corporation increases the credibility of your business. It also limits the owner’s legal liability and offers tax advantages. If the proposed business name is available, you can incorporate a business in California by filing articles of incorporation.


Criminal assault charges are filed by the state, not citizens. Police investigate reported assaults and the local prosecutor decides whether to bring criminal charges.


If you have been charged with a crime, you need to select a strong criminal defense law firm to represent you. Researching criminal defense law firms for the cost, ability, record, and experience will help you find the best representation.


In broad terms, an offshore company is one that is formed in a country other than the owner’s residence. The term “offshore” can technically refer to any country, but it is mostly associated with certain countries, or jurisdictions, where the local laws offer asset protection, business flexibility, tax minimization and privacy protection.


There are many benefits to forming a Florida corporation. It improves the credibility of your business, limits liability, protects the name from being used by other businesses and offers tax benefits.


You will need to fill out articles of incorporation when you are launching any new business that is being filed as a company, limited liability company (LLC) or corporation.


When you create a business in Texas, you have the opportunity to choose from multiple business structures including for-profit and nonprofit corporations.


Incorporating your business in New York State allows you to establish a separate legal entity, limit your liability, lower your tax rate and improve your access to grants and additional capital.


Incorporating your business in Pennsylvania allows you to establish a separate legal entity, limit your liability, lower your tax rates and improve your access to grants and additional capital.


You incorporate a business by filing articles of incorporation with your state’s Secretary of State or equivalent department. However, before filing the articles, you need to set up your corporation.


File Articles of Incorporation in New Jersey

A corporation is a type of business organization that is formed by 1 or more directors. This type of business must create a document that states the organization of the company and the procedure for issuing stock to shareholders.


Incorporating your business in Virginia allows you to establish a separate legal entity, limit your liability, lower your tax rates and improve your access to grants and additional capital.


Incorporation is a fairly easy process in New Jersey. First, you must pick an acceptable name and then possibly reserve it with the state. Then you need to complete required forms and file them with the Division of Revenue and Enterprise Services.


File Articles of Incorporation in Pennsylvania

A corporation is the most complex form of business organization in the State of Pennsylvania. It is organized so that it has 1 or more owners but it operates as a single entity.


File Articles of Incorporation in North Carolina

If you wish to start a business corporation in North Carolina, you do so by filing your Articles of Incorporation. This is a legal document that defines the corporation at its beginning and satisfies certain state requirements.


There was a time when the only way to limit your personal liability when conducting business was to form a corporation. Today that isn’t the case. A business owner has a choice between LLCs, S-Corps, and C-Corps.


When you choose to create a corporation in Ohio, you will create a new legal entity that limits your personal liability, lowers your tax rate and can improve your access to grants and additional capital.


Articles of Incorporation is the document that a business files with its home state in order to become a corporation.  [1]   The articles include general information about the business such as its name, address, and the names of the officers.


Incorporating your business is the way to take it to the next level, opening your business up to new limited-liability tax options and other corporate benefits.


TV shows and movies often paint an inaccurate picture of what it looks like to file and drop criminal charges. As a victim or witness, you cannot drop charges because the government's attorneys decide whether to pursue a case or not.


Criminal and civil trespass are largely the same. The key difference is who enforces the law. With criminal trespass, the law is enforced by police and prosecuting attorneys, whether state or local.


Control Your Personal Finances With SimpleD Budget

Getting a handle on your finances is difficult, no matter who you are, but there is software out there that can help simplify things. SimpleD Budget is one of them.


Corporations have some advantages over other business structures, such as providing protection for shareholders’ personal assets and having the ability to raise capital by selling stock.


Budgeting money is important for us to be able to meet our expenses whether in the home or business, manage our money, and keep our finances in check.


When a prosecutor decides not to continue a prosecution, then he or she can file a motion for nolle prosequi, which means “unwilling to prosecute.”  [1]   The prosecutor generally files this motion before trial.


In the world of finance, when someone refers to "total cost," she can be talking about several things. She may be referring to the costs of running a business, the costs included in one individual's personal budget, or even the costs of  something being proposed  (like a stock market investment.)


Equivalent annual cost (EAC) is the cost per year for owning or maintaining an asset over its lifetime. Calculating EAC is useful in budgeting decision-making by converting the price of an asset to an equivalent annual amount.


How to keep track of how much you are spending when aged between 13 an dc 18...and how much you are receiving! Do you (like other teens) start off at the beginning of the month with money and somehow it has leaked away by the end?


Calculate Your Loan Amount with iTrust EMI Calculator

iTrust has created an EMI calculator to help people calculate the exact amount of money they will need to pay for their desired loan amount. Spend some time with this calculator while trying different loan tenure and amount and find out a loan which is according to your current paying capacities and financial plans.


Starting a 529 Plan account is one of the best ways to save for your children's or grandchildren's education beyond high school. Current law creates special tax benefits for higher education savings via a 529 Plan, which makes this option especially attractive.


Budgeting for home maintenance is an important aspect of being a homeowner. You should define your home’s maintenance needs by keeping track of any issues and seeking professional assessments.


Budget and Save on a Small Income as a Single Parent

A  single  parent may encounter financial difficulties that require unusual effort, courage and discipline. Living below the poverty level or on less than $20,000 per year can present an overwhelming challenge.


Single parent households are increasingly common. If you are a single parent working hard to make sure your children have every advantage, then saving for family travel may seem difficult.


Checking accounts are practically indispensable in our everyday lives and are used for everything from buying lunch to paying the mortgage. How you use your checking account determines how far your money can go, so it's important to know how to budget a checking account to keep track of your spending habits, avoid overdraft fees and spend your money wisely.


Still finding it difficult to scrape by? Here are a few tips to  save money :


Make Money Fast Without a Social Security Card

Admittedly, making money without a Social Security Card can be difficult, as a Social Security Card is required to file an income tax return. There are, however, ways to make smaller amounts of money fairly quickly without needing a Social Security Card.


Be Responsible with Your First Credit Card

Getting your own credit card can be a huge step towards building a positive credit history – but only if you act responsibly with it. A record of responsibly handling credit will get you better interest rates and more favorable loan terms.


Almost everyone spends more money during the holidays, mostly on gifts, food and decorations. It is possible to make some extra cash at holiday time, which is helpful when you are saving for a big gift, wondering how you will feed your entire family or strategizing for how you will pay down your debt in the new year.


Seemingly, anybody can make money by mowing lawns regardless of age, gender, or economic status. Lawn care in general, however, has become a very competitive industry and it is harder to start out on your own.


The secret to making money isn't working at a high-paying job, it’s finding creative solutions to people’s problems, and it doesn't take a fancy degree to do that.


If you need to cut back on spending, you aren’t alone. In the United States, half of all families are living paycheck to paycheck, which can make saving difficult.


Buying the rights to an internet domain name that someone else wants allows you to charge them either for licensing or purchase. Even sites that others don't want right away can be an opportunity for advertisement.


Do you think you could have success buying and selling things? Do you want the opportunity to make money doing so? Buying and selling is an old art, and it's the lifeblood of capitalism.


Imagine if you could make good money talking about something that you love. Well, you can! Almost any subject can be a good foundation for building a speaking business.


A car boot sale can be a great way to make some quick cash, or to help get rid of some of those things lying around doing nothing around your home. However, having a successful sale will depend on many different things, and hopefully this article will show how to make your sale a great one!


Perhaps payday is too far away and you need money in the short term. You can either ask for a loan from friends or family, or get out and make a quick buck.


Hustle is recession proof. These days, everyone can use some fast money. Whether you're employed and want to earn some extra coin, or are interested in parlaying your talking skills into some money-making, you can learn to find a good hustle and make it work for you.


Many large companies are partially or entirely made up of smaller companies that they've acquired throughout the years. After their acquisitions, these smaller companies, or subsidiaries, may have remained legally separate from the large corporation, or parent company.


Any time you complete paid work, there's always the chance that the other party won't pay up when they're supposed to. Whether you're a small business owner dealing with deadbeat customers or an employee waiting for wages that never show up, there are actions you can take to make your voice heard and demand payment.


Get the Best Price for Old 33 1/3 Records

33 1/3 vinyl records were commonly made between 1948 and 1990. Although record players are not as common as they were in the 20th century, vinyl records can be valuable if sold correctly.


Have you ever wished you could make money off the brilliant ideas that pop into your head while you’re taking your morning shower or sitting in rush hour traffic?


Currency changes hands constantly. You never know where the money in your possession has been. As a result, coins and banknotes have a tendency to build up grime and may be loaded with bacteria.


Zakat is one of the pillars of the Islamic faith. It means you donate some of your personal wealth to those in need. Zakat purifies your spirit and brings you closer to Allah, or God.


When analyzing a loan or an investment, it can be difficult to get a clear picture of the loan's true cost or the investment's true yield. There are several different terms used to describe the interest rate or yield on a loan, including annual percentage yield, annual percentage rate, effective rate, nominal rate, and more.


Coping with a financial setback can be a difficult situation to navigate as an individual or as a business owner. When dealing with your personal or business expenses, you will need to reevaluate your budget and start cutting back on expenses.


Fringe benefits are the variety of benefits some employers give to employees in addition to their hourly wage or salary. They can be offered to all employees or as a benefit to those in certain positions or with certain accomplishments.


If you have a judgment against you, such as if you get behind on credit card payments and the credit card company sues you, that creditor can garnish your wages to enforce the judgment.


An annuity is a contract between you and an insurance company where you pay a lump-sum and in return the insurance company makes periodic payments to you in the future.


You might think that estimating one’s net worth is little more than an exercise for individuals with plenty of money, but it is in fact a useful way for people of all financial backgrounds to get a picture of their financial situation.


A financial planner can help advise you on how to save, invest, and grow your money. If you have a specific goal for your finances, a financial planner can help you manage your money to achieve that goal.


Earnings per share (EPS) is a commonly used phrase in the financial world. Earnings per share represents a portion of a company's profit that is allocated to one share of stock.


To determine what discount or increase a price represents, you need to calculate the cost savings percentage. This basic calculation doesn't require advanced algebra or calculus skills.


If you're an entrepreneur with a viable business idea and a solid business plan, you'll need to know how to register a company before you can start doing business.


Calculating daily interest can be useful, whether you are trying to determine the amount of interest earned or how much interest you owe on a payment.


To calculate benefits, you first have to know what your benefits are. For employment benefits, this will mean the total value of all the fringe benefits that come with your job above and beyond your paycheck.


Register a "Doing Business As" or DBA Name in California

A “Doing Business As” (DBA), also known as a Fictitious Business Name or Assumed Business Name, is a business name different than your personal name, the names of your partners, or the name you officially registered for your limited liability company (LLC) or corporation.


Compound interest is interest that builds upon its own previous interest over the initial balance. In other words, interest that is not paid within the pay period gets even more interest compounded on top of it.


Register Your Business Name With Corporate Affairs Commission of Nigeria

Registering your business name with Corporate Affairs Commission of Nigeria can be an uphill task if you are not properly informed on the secret behind the success.


Wholesalers are companies that purchase products in bulk and resell them at a discounted price to retailers, who, in turn, sell the products to the public.


Make Terms and Conditions and Privacy Policies for a Business

Terms and conditions and privacy policies are important legal documents for any business to have. Terms and conditions spell out each the rights and obligations of the business and the customer.


Reduce Legal Risks when Posting Company News Online

Using the internet can be a great way to get out information about your company quickly, but it comes with substantial legal risks. Generally, any website or social media account you have for your company is considered a marketing tool, and the same rules apply online that would apply to physical advertisements.


The Distance Selling regulations apply to online retail and mail order stores who are based in the UK and Europe, and are designed to protect the customer and enhance their rights.


One of the biggest differences between a corporation and an LLC lies in the formal record-keeping requirements for corporations. In the U.S. these requirements are embodied in state law, so the specifics may vary depending on where your company was incorporated.


Price fixing is an illegal form of collusion where businesses conspire to set prices at a level beneficial to them rather than allowing the market to set the price.


Protect Your Business After Violating an Automatic Stay

When anyone in the United States files for bankruptcy, the court imposes an automatic "stay" that prohibits anyone to whom that person owes money from contacting them.


An acquisition agreement is a contract that governs the purchase of one company by another or the merger of two companies. The acquisition agreement is made up of multiple documents including the purchase agreement as well as all documents that are needed to finalize the transfer of the business.


Get a Certificate of Amendment for a Corporation

A Certificate of Amendment for a Corporation is a legal form that a corporation completes to indicate changes to the organization including a change of the registered business name, a change in the type of business the company conducts, or a change in the articles of incorporation or the company stock.


A limited liability company (LLC) uses an operating agreement to lay out who owns the company as well as how the company will be managed. An LLC operating agreement is roughly the same as corporate bylaws.


A partnership is a business association of two or more legal persons (e.g. individuals, groups of people, corporations) that operates for profit.  [1]   When a partnership agreement comes to an end, the partnership is said to be dissolved.


A shareholder agreement is an arrangement between a company’s shareholders that sets forth how a company is organized, operated, and the rights and obligations of the shareholders.


A distributor agreement is a contract, usually between a manufacturer and its distributor. You can use a distributor agreement whenever you rely on someone else to market and sell your products.


Take Action Against Breaches of Exclusive Arbitration Provisions

Generally, when parties agree to arbitrate a dispute, they must arbitrate instead of going to court. However, in some situations, one party may file a lawsuit in court.


A mediation meeting is a meeting you set up between two or more people who have a conflict in order to work towards a resolution. It's important that you remain neutral and it would help if you have already met with each individual privately beforehand.


When you have a dispute with a business or another person, you might file a lawsuit in court. You also have the option to submit your dispute to arbitration.


Solve Inheritance Disputes with Mediation

Dealing with the death of a loved one is already difficult enough, but the situation can become even more difficult when the will is produced and doesn't reflect what you or someone else in the family thought they would receive.


Litigation is time-consuming, stressful, and expensive – which explains why approximately 95 percent of all pending lawsuits are settled out of court before trial.


Alternative dispute resolution (ADR) is a set of techniques you can use to resolve a dispute without litigating in court. The most common ADR techniques are negotiation, mediation, and arbitration.


Reach a Divorce Settlement Outside of Court

Ending a marriage is an emotionally difficult experience. It can also be a complicated, stressful legal one if you and your spouse cannot agree on a division of property or child support.


If you file for child custody, many states require you to attempt mediation before you have a judge determine your parenting plan for you. Mediation is less formal and less adversarial than court proceedings, which can result in less stress on the parents and less trauma for the child.


Settling lawsuits is a common occurrence. In fact, about 95% of all civil lawsuits end up getting settled before they ever go to trial.   [1]   You can seek a legal settlement by proposing negotiation or mediation to the other side in the dispute.


Resolve International Investment Disputes

International investment disputes come in many shapes and sizes. Often, a private person or a company wants to sue a government. However, international investment disputes can arise between two individuals or companies.


Most custody disputes arise when parents are divorcing. However, you also might want to resolve child custody if you’ve never married the other parent.


Living trusts are becoming a popular way to transfer assets without going through probate court. They are relatively simple to establish with the help of an attorney.


All parents want to make sure their family is taken care of after their death. Trusts are increasing in popularity as an alternative to traditional wills and probate.


A mediation is a way to help you and your opponent resolve (settle) your dispute without the cost and time often required by a trial.


Embezzlement is a type of fraud where an employee abuses a position of trust to steal from his or her employer. Clever embezzlers are able to steal large sums of money over long periods of time without raising suspicion.


An irrevocable trust is a trust that cannot be revoked during the lifetime of the person who creates the trust, commonly referred to as the "settlor" or the "grantor."


A Trust is an entity that owns property for the benefit of another, called the beneficiary. A family Trust, also called a revocable living Trust, is a Trust created to hold the families assets in order to pass them to family members and avoid probate.


Everyone should have an estate plan. Trusts of different types are a popular way to plan for the transfer of your assets after your death. Whether you choose a simple revocable living trust or a very complicated irrevocable testamentary-style trust, with some upfront study and work, you can both make the best choice for your family and cut down on headaches of making your final plans.


When you've been charged with a crime you didn't commit, a good defense is crucial unless you want to end up behind bars while the real culprit runs free.


Defend Yourself Against Possession Charges when You Had No Knowledge of the Crime

When you get charged with drug possession, the first thing you may want to do is find out if the jurisdiction has a diversion program you can enter to get the charges dropped.


Defend Yourself when Charged As an Accessory

If you're charged as an accessory to a crime, it means you knowingly did something to assist the person who committed the crime in carrying out their criminal activity.


Defend Yourself Against Resisting Arrest Charges

Resisting arrest, also called obstruction, happens when you try to interfere with a police officer’s attempt to arrest someone. You can also be charged with obstructing the work of an emergency medical technician, although that probably happens less frequently.


If you're facing assault charges,  [1]   it means you acted in such a way that someone believed, or was afraid, that you were about to hit them. Usually it's charged together with battery, which means you did hit somebody.


Defend Yourself Against Player to Fan Violence Claims

If you injure a fan, then you might be sued for assault and battery. You should take this lawsuit very seriously. Even if you are not criminally prosecuted, you could still end up paying money in compensation to the fan.


If you have been convicted of a crime or are considering taking a plea deal, you may want to know what your potential sentence is. For those people wondering how the length of a federal prison sentence is calculated, there is a guidebook produced by the United States Sentencing Guidelines (USSG).


Defend Yourself Against Player to Player Violence Claims

If you hurt another player during a game, then you might be sued for that player’s injuries. In order to defend yourself, you need to hire a qualified attorney who can help you plan your defense.


In the United States, you have a Constitutional right not to testify against yourself. The Fifth Amendment reads, “No person….shall be compelled in any criminal case to be a witness against himself.”


Defend Yourself Against Assault Claims As a Parolee

During parole, you are released from prison on the condition that you not commit any more crimes, such as assault. If you fail to abide by these rules, you can be sent back to jail.


Corporal punishment is often defined as the use of physical force causing pain, but not wounds, as a means of discipline.  [1]   Most often, corporal punishment involves an adult causing pain, through physical touching, to a minor.


In the U.S., a judge can issue a warrant for your arrest for many reasons, including criminal activity or failure to appear in court. If you think that there may be an outstanding warrant against you (a warrant that can be used to arrest you at any time), it is very important that you address the situation right away or risk being arrested or detained.


Diversion programs and alternatives to incarceration are available to help offenders avoid prison time and turn their lives around. More and more, courts across the United States and in other countries are recognizing that these programs are more cost effective and lead to more positive long-range results than prison time.


Getting police to reopen a closed or “cold” case can be hard work. After all, the main objective of police officers is to pursue and solve current crimes.


Criminal charges, even minor misdemeanors, can be very stressful. You could be facing court costs, fines, incarceration, and having a criminal conviction on your record.


A criminal defendant might bring a motion to dismiss on the grounds that the prosecutor has charged one offense in several different counts. This is called “multiplicity.”


If you are among the majority of people living paycheck to paycheck, making sense of personal finances may be daunting. The first step to making ends meet is making and sticking to a budget.


If you need to analyze data for taxes or a budget, then one of the best ways to do so is to figure out how much something will cost on a yearly basis.


Avoid Breaking Your Budget on DIY Projects

Making DIY projects at home can be a fun way to pass the time, and save you some money. However, if you want to make something yourself, make sure you don't end up spending more money on supplies and tools.


Depending on where you live in the world, your minimum wage could be less than $7 a day or just below $7 an hour. If you are trying to live off your minimum wage job, you may be struggling to pay for your living expenses and your meals every month.


Knowing how to assess the progress of a project against the budget of a project is a crucial skill for project managers to have. It allows a project manager to complete a project on time and under budget.


Visual Budget is made by KiWi Objects. This app allows you to  analyze your personal and business accounts  to watch their progress. Read this article to learn how to add an account to it.


A successful way to save money is to reduce expenses. There are many ways you can stretch your dollars and help avoid that "too much money at the end of the month" feeling.


A budget is basically a list of planned income and expenses for a given period. Most individuals prepare monthly and annual personal budgets. Budgeting is a powerful tool because it helps you to prioritize expenses and achieve your financial goals.


After you  budget your money , your next challenge is to follow through. Debit cards are easy to just swipe and spend, without really considering your carefully constructed budget.


Adhering to a household budget is an excellent habit to develop. It will help you to spend less, save more, and avoid problems making payments or paying excessive interest payments on credit cards.


Developing a monthly budget can help you get out of debt and build wealth. However, developing a budget is much easier than following it. If you want to get the maximum benefit from a budget, you'll have to practice some restraint and self-discipline to follow it.


Many of us want to give to others. We see others in need and deeply desire to reach out and  help them . We want to give to the charities we care about and to other causes.


In tough economic times, it is still possible to thrive. It requires a major paradigm shift: to see that an abundant life does not consist in having a bunch of stuff and spending a lot of money.


Are you one those who cannot imagine being in the middle of an economic collapse? Don't worry read further to know some tips on how to survive in such a situation.


The economy always has and always will have its ups and downs. It's easy to coast through the good times, but how do you come out of the tough times unscathed?


Use Your Creative Talents to Make Money During a Recession

The U.S. Department of Labor estimates 1.4 million Americans are "99ers." That is, they have exhausted their regular and tier unemployment benefits.


-Q: How do you know a recession is of truly staggering proportions?


Wouldn't it be great if you could get money without working? While there's no surefire way to strike it rich without working, there are certain ways to raise funds for yourself with very little or no effort on your part.


After the last recession with massive layoffs and plummeting housing prices, you need to be prepared for the next economic downturn. There are many practical strategies you can use every day to manage your finances, save for the future, and survive any unexpected emergency.


Flipping an item just means buying an item for a good price and selling it for more elsewhere. Generally, you buy items used at places like thrift stores and garage sales and sell them online.


We all need a little extra. Whether you want to find some extra change and bills to bulk up your wallet, or you want to learn more about claiming money from the Government, you can learn to find money in a variety of places.


Have you ever wondered how much your antique artwork is worth, or what the value of your baseball card collection is? Whether you plan to sell an item, have it insured, or you’re simply curious, there are many ways to find out how much your items are worth.


If you need a bit of cash to pay off an outstanding debt or take a loved one to dinner, there are lots of ways to get it. Making honest money involves hard work, perseverance, and patience.


With enough effort and careful planning, you can flip a small investment of $200 and make a fairly decent profit from it. The key is to think ahead and try a variety of different tactics.


If you need to make money but you lack the ability to earn more through standard income making ways or through loans, finding things to sell around the house or elsewhere may be a good way to raise some much needed funding.


Despite how much we need it, money is surprisingly easy to lose or leave behind. If you really look, you can find  easy money  in places you would never think of looking!


Desktop publishers prepare graphic materials such as: brochures, flyers, full page advertisements, newsletters, books, proposals, forms and much more.


Every year, millions of unclaimed properties are turned over to the U.S. Treasury. These include inherited money, unpaid wages, government benefits, and tax refunds.


Virtually any hobby can create profits without tremendous overhead or ridiculously high start up costs. What's even better, you aren't required to have a specific product to sell!


People who love to drive can consider a career driving buses, motor homes and tractor trailers. Manufacturers require those vehicles to be delivered to dealers and private buyers.


Being a housewife does not mean being condemned to earning little or no money, and many housewives are earning significant income by offering a whole variety of products and services both online and offline.


Recycling or dealing scrap metal can be a lucrative business. However, making money depends upon the quality of the scrap metal, the quantity and the current price of the metal.


Capital Growth can be defined as the percentage increase in the price of an asset over time. It is measured on the basis of its latest value and the amount spent on acquiring the asset in the past.


Whether you work full time and bring in six figures, or you are a student working a part-time food service job, extra cash is always great to have on hand.


Consignment (or the act of consigning) means giving over to another person custody of any material goods in order to sell them, but retaining legal ownership until the goods are actually sold.


While interest earned on savings deposits may sometimes be simple to calculate by multiplying the interest rate by the principle, in most cases it is not quite so easy.


Calculate Annuities on a Finance Calculator

Annuities are investment tools that provide people with fixed payments made at specified intervals. The most common type of annuity is deferred. Under this arrangement, you pay into the fund over a period of time and then take payments beginning at a specific date, often upon your retirement.


If you have credit cards or bank loans for your home, you pay interest (or a finance charge) on that money at a specific percentage over the course of the year.


Lines of credit are similar to loans, but have structural components that make them more complex. Where a loan is for a set amount, a line of credit is more like a credit card: you have a credit limit, and can withdraw funds from the credit line at your need and convenience.


Accumulated savings includes the amount you are able to put back or invest each period and the interest that is accrued on your savings. Even a very low interest rate will begin to add up as your balance increases, making it possible for you to save more than you might realize.


Borrowing money from a friend seems like it should be easier, safer, and more flexible than trying to get a bank loan or some other less personal option.


Many people want to become more financially stable, but are unsure how to achieve that goal. The most important things to consider when trying to become financially stable are how much money you have, how much you need to spend on necessities, and how much is left for saving or for disposable income (entertainment, pleasure, etc.).


Financial stability means spending less money than you earn. In order to become financially stable, you must first learn to control your spending. Then, you can plan to save money and get out of debt.


No matter how much or how little money you make, knowing how to manage it can make the difference between living paycheck to paycheck and being financially secure.


Saving money  and sticking to a budget are always a challenge. There are so many opportunities to spend money without thinking, and so many of life's obligations and opportunities require a chunk of your finances.


All of us in one way or another desire financial security and many of us dream of attaining financial freedom. Robert Kiyosaki’s Rich Dad, Poor Dad’s Cash-flow Quadrant book and board game teach the principals of income, assets and cash flow.


Approve and Reimburse Expense Reports on Expensify

After creating your reports and adjusting all the necessary details, the next thing you’d want to do with the expense report you created with Expensify is have it approved or reimbursed.


Apply Cash Flow Principles to Your Financial Life

While there are a lot of businesses failing at this stage of the economy, it isn't because the basic cash flow principles aren't solid. Cash flow isn't just about cash on hand, a budget, or a profile.


Annualized percentage rates (APRs) are commonly defined as costs to borrow money or return on investment of money. They measure performance over the course of a year.


Improving your financial health begins with learning how to analyze your current finances. That knowledge can empower you to take the proper steps to improve your money management once you know exactly where your money comes from, where it goes and how much you have.


Do you want to do a better job of saving money while enjoying a bit of entertainment, too? This article features a simple way to save, enjoy and not have to worry all the time about money.


It's happened to the best of us. You open your phone bill to find that it's much higher than expected. You may pay it this time, but you want to avoid this problem in the future.


Since the end of the second world war, the average British home has doubled in value every ten years – but that's not going to make you feel better if the market's on a down turn and you're watching thousands being rubbed off the value of your house.


Many large corporations and manufacturers employ naming companies to assist them in choosing names for their companies or products. Studies show that the name a company selects is vital to the success or failure of its business, product or service.


To dissolve a corporation, you need to vote for dissolution and then file the correct form with your state. Dissolution, however, is only the first step to winding up your business.


A business credit report allows a person or company to evaluate the credit worthiness of a competitor, customers, and potential suppliers. By running a report on itself, a company can see how its financial stability is presented to the larger business community.


The bylaws of a nonprofit corporation set forth the rules that govern the operation of the organization. They contain the rules and procedures for holding meetings, electing directors, appointing officers, and taking care of other essential formalities.


With a population of more than one billion and still growing, India offers companies a large, built-in and dynamic potential market to explore.  [1]   If you are interested in conducting business in this market, you need to establish your company’s legal presence in India by registering your business and filing the appropriate forms with the proper Indian authorities.


If your business is no longer running a profit or you are just ready to move on to something else, it may be time to close your business. Depending on the type of business, there are numerous legal requirements that you must meet to ensure that you are not held personally responsible for the business.


Whatever the reason for closing your business, it’s important to follow your state’s legal procedures for dissolving it. Once you’ve formed a business and registered it with the state, you need to formally close it out, even if you never used the business for anything.


Create Disclosure Statements for a Franchise

The sales offer of a franchise requires that a regulatory document called a Franchise Disclosure Document (FDD) be provided to the potential franchisee.


A limited liability company (LLC) is a type of business well suited to many smaller enterprises. It allows an owner to limit personal liability in the finances of the company.


Business attorneys handle a wide array of business legal matters, many of which protect your money and protect your business from legal disputes. Whether your business is one you run by yourself or you have many employees, you will run into legal matters that require the assistance of an attorney.


As a private individual, you don't have any real way to avoid personal liability for accidents you cause or that occur on your property – although you can purchase a liability insurance policy so you don't have to pay out of pocket if you're sued.


Mediate Arguments between Employer and Employee

Since formal mediation is a legal process carried out by licensed professionals, the best strategies to mediate employer-employee conflict lie in informal mediation tools and avoiding conflict in the first place.


Mediation is a form of “assisted negotiation.” In mediation, you and the other parties to a dispute meet with a neutral third party, who is the “mediator.”


Negotiation exists in many situations in human life. Negotiation is not found only in businesses; it is often necessary to make decisions with friends, family and yourself.


In many states, even if not explicitly stated, every contract contains a duty to negotiate in good faith. This means that the parties to the contract must have an honest intent to act without taking an unfair advantage.


Develop the Skills Essential for Good Negotiation

The objective of any negotiator is to come to an agreement. Good negotiation involves many different skills and self awareness, which are very important factors that are often overlooked.


A mediator is a person, frequently court appointed, that acts as an intermediary between parties in litigation who attempts to help the parties settle the case.


Mediators help negotiate in conflicts in professional and family settings before they go to court, in order to avoid high legal costs and overburdened courts.


Choose Between Arbitration and Mediation

When you don’t want to go to court to resolve a dispute, then you should consider alternate dispute resolution (ADR). Two of the more popular forms of ADR are mediation and arbitration.


Not all property managers will look out for your best interest. If your situation requires that you contract with one, you should be careful in screening your options.


A divorce mediator works with divorcing couples to help them reach agreement on child custody, child support, and the division of debt and assets, among other issues.


Yield is a measure of profit or loss from an investment, expressed as a percentage of the initial cash outlay. The yield on rental property is the annual net income of that property divided by its purchase price.


A real estate ledger is a collection of accounts that records, classifies and summarizes various real estate transactions. A typical real estate ledger will record the asking and sale prices of a property, as well as any commissions that were earned and how they might break down between agents and companies.


A life estate is a co-interest in property, which allows the party owning the life estate, known as the life tenant, to use and enjoy the property for his or her lifetime.


Take Action Against the Breach of a Purchase and Sale Agreement

When a buyer and seller come to an agreement on the sale of a piece of property, they sign a purchase and sale agreement. However, one side might get cold feet between signing the contract and the closing date.


Homeowners and real estate investors sometimes contemplate the subdivision of residential property in pursuit of profits. There is no standard process for doing this.


Cold calling isn't ideal as a sales method, as many people find it annoying to be given a sales pitch over the phone by someone they know nothing about.


Use Real Estate Sites for Buying/Selling Property

The time has gone when buying or selling a property was a herculean task. With limited time and a wide knowledge required for property sale or purchase, the internet has proved to be a boon for many people.


Use Craig Upload to Upload Images for Real Estate Listings

This article shows you how to use CraigUpload (craigupload.com) 's image hosting service to host images for your real estate listings.


Real estate disclosure forms are used when a property owner sells a house or land to a buyer. Most states require the seller to disclose any problems or defects in the house that might have a negative effect on its value or appeal.


Finding a good real estate agent can be a long, tricky process. Buying or selling a home is normally stressful, so it is worth it to to take the time to find an agent who can smooth the way for you.


You can transfer real estate by completing a deed. A deed is a legal document which describes the property being sold and must be signed by the sellers.


Wholesaling is a common way for beginners in the house flipping community to start out. The great thing about wholesaling is that you don't usually have to spend any of your own money.


If you believe that the appraisal on your property was too high, you may want to hire a property tax attorney. An experienced property tax attorney can challenge the tax assessment and get you a refund.


Most landlords know how difficult it can be to evict a tenant after the lease has been signed. That’s why it’s so important to screen tenants carefully before you finalize the paperwork.


A homeowners' association (HOA) is a group of elected residents who own homes in the same development/community. This group is responsible for enforcing the rules and regulations agreed upon by the residents, and they exercise some authority over how property in the development is used.


An escrow account is basically a bank account under the control of a third party. They are most often used by buyers and sellers to a real estate transaction.


Renew Your New Jersey Real Estate License

Whether you just started selling real estate in New Jersey or if you are a seasoned veteran, 2013 will be the first year anyone in New Jersey has to take continuing education to renew their license.


A home is often the most valuable asset that you can own. However, if you owe the bank more money on your mortgage than the home is worth, it may not seem so valuable anymore.


Since a lot of homeowners don’t have a background in construction, it can be difficult to know what to look for when looking over a contractor’s estimate.


In many western states such as California, Colorado, and Texas, water is a scarce and valuable resource regulated by state government departments. Buying property does not necessarily mean that you also acquire the right to build a well or otherwise divert water onto that property.


Although the idea of a trust fund is generally associated with estate planning for the very wealthy, middle class families can also benefit from the tax advantages and privacy of a trust fund.


With a blind trust, you put assets into a trust but are not told how the assets are invested. If you want to create a blind trust in California, then you should find a lawyer who can help you create one.


An "inter vivos" trust, or "living trust", is created while you are still living instead of a trust fund created by someone else after you've died. The trust is a plan that provides for the trust having legal title over any and all property you are hold and protect for your beneficiary after your death.


A living trust provides a way for you to transfer property after your death while avoiding the time and expense of probate. While you still need a will for some things, such as naming a guardian for your minor children, a living trust can save time and money for your beneficiaries.


Get a Revocable Trust for Out‐of‐State Assets

If you own real property out of state, such as a vacation condo or a beach house, it will not be transferred with the rest of your property when you die.


You've spent a lot of time and effort building assets, but a lawsuit could put that investment at risk. If you've already been sued, it's too late to take steps to protect your assets – laws in every state prohibit fraudulent transfers and last-minute actions to shield or hide assets from creditors and others to whom you're liable for damages.


As many as 87 percent of Americans consider their pets to be family members.  [1]   If you have a pet, including your pets in your end-of-life plans ensures they will be cared for when you no longer can.


Change Joint Tenancy to Community Property in a California Living Trust

If you write a will, a court will supervise the transfer of your assets to your heirs after you die. This process, called probate, can takes months.


A living trust is an agreement between the person setting up the trust (the “settlor”) and the person appointed to manage his or her assets, the “trustee.”


A trust is a probate-free approach to passing assets to your beneficiaries when you die. When you create a “revocable” trust, you fund the trust during your lifetime and can change the trust or cancel it at any time.


You can add foreign assets to a living trust, but the process is not easy. You will need a foreign lawyer to help you transfer the foreign assets into the trust.


A trustee is a person, corporation or entity that has been appointed to manage money, property or interest that will be used to benefit another person.


Extradition is the term that applies to the legal process of delivering an individual from one country to another. The usual reasons are to have that individual stand trial for an alleged crime, or to serve a punishment for a sentence that has already been assigned.


Estate documents name an individual to manage and distribute someone's assets after they die. This person is a fiduciary of the estate and its beneficiaries, and is known by many names – an executor or personal representative of a will, but in the case of a trust, the same person typically is known as a trustee.


The “juvenile county” is a place where children or young adults, usually less than 17 or 18 years old, will be sent if they get into trouble or act violently.


Many people are tempted to commit crimes. You might not have a job, or you might be in financial trouble and feel stealing is the solution. In some situations, other criminals (like gang members) are your only family, so you fall into the lifestyle.


Access Estate Assets Not Held by a Living Trust

Generally, you can only access an estate’s assets if you are named the executor to the estate. Once a person dies, the estate assets are frozen.  [1]   They only become “unfrozen” when an executor is appointed.


You made a mistake in your younger, more foolish years. Now you've gotten your act straight, have a good job and a family, but this old arrest is still causing you difficulty.


Avoid Aiding and Abetting Family with an Active Warrant

An “accessory after the fact” is someone who helps a criminal hide from police.  [1]   You can be charged as an accessory if you aid or abet your family member with an active warrant in any way.


A budget could help you crush your outstanding debt, take charge of your financial future and even become a happier, more relaxed person. Depending on your circumstances, a proper budget may not require that you spend less.


Selecting the right criminal defense attorney for yourself or a loved one can be one of the hardest parts of any run-in with the law. It is also one of the most important.


Apply Lessons Learned from the Great Depression

Recent economic times may mirror what American grandparents or great-grandparents went through in the Great Depression. While this time may be a challenge, it may be an opportunity to look back and learn how previous generations coped with tough economic times.


A depression is a long-term downturn in economic activity and is more extreme than a recession. The economy will see falling prices, tight credit, low investment, rising bankruptcies, and high unemployment.


The National Bureau of Economic Research is a non-profit research organization focused on the study and communication of economic conditions in the United States.


Who knows what lies ahead so a bit of preparation never hurt. The following tips may help endure a possible recession, depression or other unforeseen calamity.


Recessions are a natural consequence of an over-heated economy and part of the business cycle. While investments may drop in value, the important thing to realize is that the stock market will recover in time.


If you have been convicted of a crime, you may seek to be pardoned. A pardon is a form of legal forgiveness that removes any penalties and punishments.


The recession can be a very scary time, especially when you have savings and are afraid they may dwindle during the hard months. Luckily, with some careful financial planning, you should not have to worry too much about your savings.


Recessions are generally times of economic hardship, when companies cut staff and prices on the stock market fall and stay low. If you’re looking for ways to make money during a recession you could consider selling and renting things you own, as well as earning more money in the evenings and weekends to bolster your income.


During a recession, it can be extremely difficult to manage your resources. You may lose your job or face other financial hurdles that might cause budgetary constraints.


This article will give you a basic overview on how to buy and sell for a profit.


Making acquisitions in any type of economy normally requires such basics as considering the benefits of acquiring an asset both in the short-term and the long-term.


Today’s market allows average investors to buy and sell different types of world currencies. Most of these trades are done are through the Forex – an online foreign exchange market -- which is open for business 5 days per week, 24 hours per day.


Find Business Success During the Recession

The global recession that happened from 2008 through 2010 was hard on businesses. Small independent companies suffered the most because they lacked resources.


The Great Recession has impacted millions of Americans. Here are some tips for not just surviving, but thriving, in the midst of an economic downturn.


Buying and selling comic books can be a fun hobby, a lucrative business or both for comic book enthusiasts. Those in the comic book trade buy and sell comic books and related collectibles at trade shows, comic conventions, in stores or online.


Need a little extra cash in a hurry? You can feel pressure when you need to make money fast, but you do have options for getting it done. These include selling items, doing odd jobs, and finding money in overlooked ways.


If you're sick of being broke, it's time to take control of your finances! Whether you need to work on your spending habits, learn how to save, or find ways to earn more money, you can find a way to stop being broke.


Deposit a portion of your income in a savings or retirement account. Don't accumulate new debt, and pay off any debt you currently have. Establish a realistic timeframe for your savings goals.


Do you need a quick, short-term loan? Do you have several knick-knacks and gadgets, jewelry or tools that other people might value? You can cash in on the "equity" you've got when you're in a pinch.


Are you looking to make money with little to no work, and as quick as possible? Have no fear - doing so is easy! Look into selling products or services, picking up odd jobs, and other miscellaneous tasks as ways of getting cash quick.


Personal financial management is a subject that is not taught in many schools, but is something that nearly everyone has to deal with in their lives later on.


Having an emergency fund readily available at all times is invariably a good idea. It can protect you in a time of job loss or during a natural disaster period that directly impacts your living arrangements.


Decide Whether to Invest or Pay off Debt

Whether it's a  mortgage , personal loans,  credit cards  or all of the above, more and more people are drowning under the burden of their debt, and for those with enough income to keep their heads above water, the only logical choice may seem to be paying off their debts as quickly as possible.


Losing your wallet can be frustrating, embarrassing, and, if it falls into the wrong hands, a threat to your finances and your good name. If you cannot quickly locate your lost wallet using sensible search strategies, acting promptly to secure your identity and credit can save you a good deal of aggravation down the road.


Nothing impresses people quite like a huge wad of cash. Having a gangster bankroll is a great way to let everyone know you're the life of the party.


A promissory note is a written agreement to repay a debt. Sometimes referred to as a note, this document is legally enforceable. Taking the time to learn how to write a promissory note, or write an IOU, will help in your collection endeavors.


A financial planner is someone hired to help you plan for a specific goal like retirement or investments, or someone who advises on various financial topics, including taxes, saving, insurance, and more.


If you owe a creditor more money than you can afford to pay right now, writing a debt negotiation letter is the first step in attempting to pay down your debt in a way that meets your current budget constraints.


Use Zero Percent Interest Credit Cards to Get Out of Debt

Carrying a high percentage of your open credit line as debt can hurt your credit score; professional opinions of "how much is too much" vary from 25 to 50 percent.


Few things are as stressful as falling behind on your debt. As you miss payments, your creditors increase the interest or tack on penalties and late fees.


Use Debt Settlement or Negotiation to Reduce Debts

If you find yourself skipping credit card monthly payments, ignoring mail because you don’t want the bad news, or using one credit card to pay off another, these are all signs that you may be getting into serious financial trouble.


Increasing numbers of Westerners are becoming trapped in a cycle of debt, often ignoring the situation until it is almost too late; ignoring the situation will just make things worse.


Settle Debts if You Cannot File Bankruptcy

You might not be able to file for bankruptcy because you filed too soon in the past. Unfortunately, you lose one of your strongest bargaining chips if you can’t threaten a creditor with bankruptcy.


Use the Snowball Method to Eliminate Debt

Many people struggle with debt and find themselves stuck by making only the minimum payments. The snowball method is a favorite of personal finance experts and can help you eliminate your debt quickly.


Talking to bill collectors and debt specialists is never fun, but it is sometimes necessary in order to lower payments, settle debts or negotiate a payment schedule.


No one sets out to get into debt yet all too soon in life the day rolls around when you can't progress any further with your life plan without arranging a mortgage, loan, credit card or overdraft.


It can be difficult to pay off debt when you are broke. Find ways to obtain money by selling extra stuff from around the house and seeking government aid.


Pay Capias Warrant Costs You Cannot Afford

A capias warrant is an order that a court will issue if you have already lost a court decision, owe money to a plaintiff, and have failed to make payments on it.


Normally, when you sell property held for investment or business purposes for a greater value than that which you originally paid for it, any gain you realize from the sale will be subject to capital-gains tax.


Overdrawing on your account is a stressful situation to deal with. Nobody intends to go into the red on their account, so it can be a difficult situation to reconcile.


Hunting for real estate, whether you are renting or buying, can be a challenge even for the most organized individuals. There are many properties to keep track of, neighborhoods to investigate and details to research.


An appraisal is the valuation of a piece of real property usually for the purpose of obtaining a loan. If you ever buy, refinance, mortgage or take out a loan against a piece of real estate then an appraisal is more than likely going to be required.


Almost every real estate agent guru is instructing Realtors to call themselves (short sale experts)]. However, very few Realtors should be trusted to list and sell your upside down property.


As most who have filed for bankruptcy at some point are aware, not only does it affect your finances, but it also does great damage to your credit score.


The buy or sell a house, the buyer and seller must each sign a home purchase agreement. This document will identify the key terms of the sale, such as the purchase price and who pays the closing costs.


If you have declared bankruptcy (in the U.S.), your case will be handled by a bankruptcy trustee. This person will look over your paperwork to determine that your application for bankruptcy is in good order.


Do Business with Creditors After Going Bankrupt and Discharging Debts

Before your debts are discharged in a Chapter 7 bankruptcy, your assets – including your business – are liquidated. If you were a small business owner, after bankruptcy that business you worked to build is essentially gone.


Discharge a Second Mortgage in Chapter 13 Bankruptcy

For homeowners with multiple mortgages, a Chapter 13 bankruptcy can be a lifesaver. In some situations, a judge will order that a second mortgage be removed from your property.


An installment payment, such as that paid monthly on a loan, is paid out to the lender with interest charges and finance fees also included. Typically, monthly installment loans are for larger purchases like appliances, cars, or other large asset purchases.


Dispute a Bankruptcy on Your Credit Report

Your credit report will contain information about your credit history, including how many times you have been late with payments and whether or not you have an account in collections.


Filing for bankruptcy is the process of requesting that a legal court releases you from your obligations to your creditors.  [1]   Individuals or married couples will typically file for either Chapter 7, Chapter 11, or Chapter 13 bankruptcy.


Deal With Debt Before Filing for Bankruptcy

If you are facing mounting debts, you may be considering filing for bankruptcy. Unfortunately, declaring bankruptcy also costs money, and you may need to buy some time to save up the money for a bankruptcy proceeding.


Consumers interested in taking out a loan may wish to determine the amount of the monthly payments based on the loan principal, the interest rate offered, and the length of time given to repay the loan.


Get a Personal Loan From a Private Lender

More than a few individuals and families need personal loans from time to time, but not all people know how to go out into the lending market in order to access the money that they need.


Individuals with bad credit records are often the ones most in need of additional money. It can be hard, however, to find a lender willing to loan you money when you have bad credit.


If you're just loaning a friend a few bucks for lunch, you probably don't feel the need to write up any kind of formal agreement. But if you're going to be providing your friend with a more substantial loan – such as to open a business, pay off a debt, or make a down payment on a car or house – it's important to put your agreement in writing.


Debts are something you should stay away from, maybe with the exception of money that is borrowed for acquiring assets not used for consumption. Most people that are overwhelmed by debts make borrowings that they think are manageable but are unable to make it.


Payday loans might seem like a good option if you are strapped for cash, but it is often very easy to get get caught in a never-ending cycle of debt.


A short-term loan is a small loan with a repayment plan that typically ranges from a few days to about a year. These loans can be obtained from friends or family members, pawn shops, or specialized short-term lenders (either at physical locations or online).


A payday loan, also called a cash advance, is a quick way to obtain a small sum of money (typically under $500) to pay bills or cover unexpected emergencies.


An unsecured loan, also known as a personal or signature loan, is issued completely on the creditworthiness of the borrower. The borrower does not need to supply any collateral pledged as security for the loan.


Sometimes our family members put us in situations that are very awkward or uncomfortable. Perhaps the toughest such situation is when a relative asks us for a loan.


Payday loans are a quick and convenient way to borrow money for short periods of time. In some circumstances, it may make sense to take out a payday loan in order to settle other debts.


As of the writing of this article, the U.S. Bankruptcy Court requires a filing fee of $335 to file a Chapter 7 bankruptcy petition. ( Yes, it costs money to be bankrupt.)


It’s possible to save a business in bankruptcy. However, you first need to thoroughly assess whether the business is worth saving. Generally, you should think about saving a business when you are confident the business can turn a profit and its assets are worth more than its debts.


Over the past few years the amount of government funding for post-secondary education has decreased, and the level of student debt in the United States has increased dramatically.