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Most people who file bankruptcy only need to do so once for a fresh financial start. Yet, you may still find yourself in dire straits after your initial case. You may have experienced another unexpected financial hardship. Or, considering your necessary expenses, your means may prove difficult to live within. If you find yourself unable to pay off bills and…
Due to the events of the last three months, many small businesses are taking drastic action to protect and save their companies. Some owners resort to marketing ploys or shifting to an e-commerce model. While other companies may need more action, possibly restructuring their business model. According to Harvard Business Review, restructuring a company may be the key to protect…
Most people complain about all types of bills. Or they wish they had more income for vacations, clothes or fancy cars. However, there is a significant difference in wanting more money and needing more money. Because complaining about money is so generalized, most people do not sufficiently know when they are heading towards a difficult financial situation. What to watch…
The world is struggling, and it’s evident from any country. Between pandemics, protests and politics, the United States is especially struggling in its economy. Many small businesses have restructured or filed for bankruptcy during the last three months. On top of that, the unemployment rate hit 13.3% in May – a decrease from April’s rates. Many people fear how the…
Many people who are unable to work have questions about what benefits they might apply for through Social Security. The Social Security Administration provides a tool that individuals can access called BEST, which stands for <atarget=”_blank” href=”https://ssabest.benefits.gov/”>Benefit Eligibility Screening Tool. By answering the questions in BEST, you will find out if you are able to receive benefits that social security…
On June 15, 2020, the Supreme Court voted 6-3 to recognize that the prohibition against discrimination “on the basis of sex” under the Civil Rights Act of 1964 (commonly referred to as “Title VII”) includes discrimination based on gay and transgender status in its opinion in Bostock v. Clayton County. Prior to this ruling, various states and local governments prohibited…
Everyday we get in our cars to go to work, grocery stores, and just about everywhere. While we drive safely and try not to think about it, the fact remains that thousands of auto accidents occur in the US every day. While suffering physical injuries and property damage is painful enough, you can be left holding the bag if you…
I find that many of my clients and friends have questions about whether they can enter Canada if they have an OVI conviction. It is a more than reasonable concern for many people and travel to Canada is geographically convenient, there is a plethora of quality entertainment, and the country provided some of the most spectacular natural beauty on the…
Our homes are a safe place from the rest of the world. It’s the place where: we finally relax at the end of a long day at work, raise our kids into mature adults or finally settle down after retirement. Our homes are a special place in our hearts. That’s what makes the foreclosure process more devastating. Many families or adults…
Most business owners anticipate costs upfront. Between loans, investments and property development, most entrepreneurs have to put in a lot of cash before they can see any profits in the future. But what’s a reasonable amount for business-related debt? The answer is it depends. Most business debts rely on multiple factors like the industry you are entering into, your specific…