Why Do Troubled Businesses Need Bankruptcy Attorneys?

Small business owners who are considering filing for bankruptcy may want to consider seeking the services of a bankruptcy attorney. There is plenty of information available online about the process and laws involved, but it’s useless without proper knowledge and experience. Each financial situation is unique and will require a thorough examination to determine the best course of action. Even a friend or family member who has gone through the process and can offer firsthand experience may not provide the facts for another person’s situation.

Steps in Filing for Bankruptcy

A good bankruptcy attorney will thoroughly examine business documents, including business expenses, taxes for the previous year, and the owner’s personal financial situation to decide whether bankruptcy is recommended. A lawyer can provide information about the laws and the processes involved in filing. Researching the information given on www.totalbankruptcy.com can be useful; it could also connect you with a local bankruptcy lawyer who could possibly help you.

Negotiation Skills are Important

Some creditors will not be flexible about debt that is owed, and will argue that charges cannot be negotiated or written off. An experienced attorney is familiar with this practice, and will typically be much more comfortable with the negotiation process than the debtor.

Choosing a Certified Representation

Selecting a lawyer who is certified by The American Board of Certification will result in a skilled representative who has experience with this type of law. Each branch of the legal system is complex, so it is important to choose an attorney who is very familiar with bankruptcy law. He or she will be familiar with the rights of the debtor versus the rights of the creditor, and can help get the best possible outcome for the client.

Types of Bankruptcy

Bankruptcy laws are complicated, and vary by state. The attorney can also assist in determining which type of bankruptcy to file. Depending on the situation, troubled businesses could choose to file for Chapter 7, Chaper 11, or Chapter 13 bankruptcy in order to pay off what they owe and avoid incurring further losses.

Legal Help will be Greatly Beneficial

With so many options to consider, struggling small business owners will greatly benefit from hiring the services of a skilled bankruptcy attorney. Just as the owner would hire a financial officer to handle the financial aspect of his or her business, choosing a good lawyer will be beneficial in keeping it from falling deeper into financial trouble.

What are the Benefits of Alternative Energy Resource?

It seems no matter where you go, you hear about the need for alternative energy resources and all the benefits people can reap from it. The subject of alternative energy resources itself is a hot topic for debate with parties arguing strongly on both its pros and the cons.

Here is a look at some of the benefits of alternative energy resources:

Alternative Energy is Better for the Environment

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One of the top benefits of alternative energy is that it is better for the environment. With natural gases, there are fewer emissions of carbon dioxide. The less carbon dioxide released, the less greenhouse effects are experienced. The air quality will be improved which will also lead to less acid rain and smog, something large cities are having major problems with.

Alternative energy is also highly beneficial to the environment because it produces less waste than other sources of energy. With the huge emphasis on waste reduction and recycling, this will have a long-lasting effect on the environment in a positive way.

Another benefit of alternative energy is that it uses less water and has less of an effect on ecosystems. When people are using more water from lakes and rivers, all the creatures that live there are affected. This has a domino effect and can quickly spiral out of control.

Alternative Energy Rids of Import Oil Dependency

Reservoirs like Eagle Ford Shale help the country get rid of the dependency on foreign oil. As fuel-dependent citizens grow more and more dependent on foreign oil, there will be higher price hikes in the future. With the ever rising costs, the need to look into alternative energy, aside from the oil sources within the country, as a potential power source becomes prevalent.

While it may not be obvious in the beginning, in the end, as users lean more towards using alternative energy, there will be an increase in savings, as far as finances are concerned, while generating more renewable resources of power as compared to other traditional forms of energy sources.

Alternative Energy Generates More Jobs

A huge economic benefit of alternative energy is the amount of jobs it can help create. In addition to the huge amount of employment opportunities it offers to students who are specializing in fields that concentrate on helping the environment, it will also generate more jobs with construction workers, engineers, and even those dealing in finance and loans. All of this combined will give the somewhat sluggish economy a much-needed boost.

Tapping into alternative energy sources will be an advantage for both developed and underdeveloped countries. Using renewable energy sources does not completely mean eradicating the dependence on fossil fuel sources. Instead, it is a way to ensure that there are enough sources of energy that can be used without reaping hazardous effects on the environment.

Why is Online Faxing 4 Times Cheaper Than Traditional Faxing

FAX (Photo credit: Independent Curators International)

What makes online faxing cheaper than traditional faxing methods? The convenience, accessibility, and ease of use of online faxing services have led to a number of factors that have ultimately lowered the rate of online faxing. While traditional faxing methods have been used for a while, online faxing is slowly becoming the preferred method of faxing for both large and small companies. Take a look why.

1. No Hardware Necessary

Online faxing does not require any hardware or software, which can save its users hundreds, if not thousands, of dollars per year. The amount spent on maintaining a fax machine alone, from toner, paper, ink and maintenance costs, could probably be used to cover an annual or usage fee for online faxing. Basically, your start up cost is 0, especially if you are a new business, or you do fax rarely.

2. No Phone Line Necessary

With the rise of internet and smart phones, land lines are becoming a thing of the past. Large businesses may have phone lines, but many startup companies or individuals may not have that luxury. Online fax services only need a computer, which most people already own, and internet connection, which most people definitely has. Because you use internet anyways, there is no additional cost for you to use online faxing. Traditional fax machines work using a phone line, which would be an additional cost if you do not already have one installed. Thus, online fax services are a smart finance option for many startups that do not have a lucrative cash flow yet.

3. Save on Energy Costs

Traditional fax machines are required to be on in order to receive a fax. This means that you must keep your machine turned on all day, which wastes money and electricity. Online fax services however use the internet, therefore even if your computer is shut off, it can still receive faxes in your email box. Using online fax can help you save on utility fees in the long run.

4. Accessibility

Online fax is easily accessible, from your phone, the internet, or on email. Using this service helps you keep a competitive edge over your rival companies, who may not have instant access to all their information when and where they need it. As your company becomes more competitive, it begins to edge out and do better than your rivals.

Overall, online faxing is a cheaper alternative to traditional faxing for more than the four reasons listed above. In addition, online faxing is good for the environment, saving money on paper, toner and ink. The various types of online fax plans allow for companies and individuals to choose a faxing plan that fulfills their needs at the lowest possible price. A one-year online faxing plan may cost less than maintaining a fax machine alone. With all these cost-effective factors, it is no wonder companies of all sizes are switching to online faxing.

Four Secrets Bonus Hunters Should Know in Searching Outstanding Incentives

Online gambling is exciting and fun. You can play to win endless amounts of money, depending on your skill and luck. It is also a good move to increase your odds by utilizing bonuses as well. Great bonuses increase your winnings and allow you to enjoy games that online casinos offer. Do you want to know the secrets to finding great bonuses? Here are four secrets bonus hunters should know in searching outstanding incentives.

Image from Flickr

Visit Real Casinos’ Online Version

There are the typical casino bonuses that most people already know of. These are the sign-up bonuses, no-deposit, free spins, and so on. However, did you know there are higher paying bonuses that will allow you to play longer? You can continue your gambling, generate winnings, and keep them without ever deducting from your bankroll. These online casino bonuses can be obtained through real casinos that have an online gambling website.

Look through Casino Review Sites

These sites are filled with information regarding the best casino games, bonus offers, and more. People who have had experience with specific casino sites will be more than glad to talk about their experience. Always look for the in-depth reviews. They may be extensive to read, but they will usually provide the best information. Also, check these review sites for comparisons about various casino bonus offers. Some bonuses are only available for a specific month, so be sure to check them out.

Join a Gambling Portal

If you are hunting for the best online casino bonuses and are an avid gambler, it only makes sense to join a gambling portal. They also provide information to players with the intent to help them succeed at online gambling. These sites are designed to give players up-to-date information regarding the best games to play, member forums, and where to get casino bonus codes. Other people who can benefit from a gambling portal are affiliate marketers in the casino niche.

Vote for Your Favorite Casino

Whether a casino is online or not, the most they seek from users is publicity. They want to be the best and rated highest on the search engines. By voting, you will not only speak for your favorite online casino, but you can also score prizes this way. When you vote and provide the proof that you have voted, you will be e-mailed a bonus code. Other online casinos will provide their voters with a link for bonuses that can average $25 or more. Therefore, it is a good move to put in your vote.

These are just a few simple ways to score the best bonuses available for gamers. If you are an avid gamer, you will have no difficulty in finding great incentives with the abovementioned tips. Just remember to check the legality of a casino’s software license before joining any of its promos.

How to Become Financially Secure: Take Risks or Play it Safe?

One unavoidable fact of life is the need for money. It pays for your food, clothing and shelter, as well as your wants when there is money left over. This is why becoming financially secure can be such a stress relief. There are a couple of different ways to get on the path to financial security, but the best route is debatable. The choices are to play it safe with your money or to take risks with your money.

Play it Safe

day in the life: lunch money

People who play it safe have less stress in their life because they always know what to expect. They become financially secure over time by working hard and managing their money well at every turn. It is one of the most common routes to financial security. People who play it safe financially live within their means and are always looking for ways to save money.

Live Within Your Means

If you are going to play it safe with your money, you need to spend less than you make. This is harder than it sounds, especially if you are part of the typical middle class. Spending less than you make allows you to save money over time by investing in a retirement account for financial security when you are older.

Create a budget to help you live within your means. Managing your money carefully and never splurging are the keys to living within your means.

Save Money Where You Can

In addition to living within your means, you can play it safe financially by always buying items at a discount. The following are some ways you can purchase items for less than their retail value.

  • Coupons: You can find coupons for just about anything. If you are willing to spend the time to clip them and organize them, you can save a lot of money, especially at the grocery store.
  • Promotional Codes: You can use coupons on the Internet too. Save money by always searching for these discounts before making a purchase online.
  • Sales: Everything goes on sale at some point or another. If you can wait to buy something until there is a sale, you’ll be saving money.
  • Second Hand Stores: Just because something is used does not mean that it is no longer good. This is especially the case with clothes.
  • Buy in Bulk: This money-saving strategy only works if you are buying something you will actually use. Try to avoid perishable items when possible so nothing goes to waste.
  • Look for Free Stuff: Some people just want to get rid of their old things and they don’t care about compensation. This gives you a good opportunity to save an item from going to the landfill and protect your pocketbook too. Look at local ads online for free stuff.

Take Risks

English: Poker Chips

People who take risks with their money are more likely to become financially secure at a young age. You can’t make a lot of money if you are not willing to take the risks to get there. Financial risks also make life an adventure because the outcome is not always predictable. There are several risks you can take that can lead to financial security. For instance, you can play the stock market, invest in real estate, or play casino games.

Play the Stock Market

Investing money in the stock market can be very lucrative. This type of financial risk is probably one of the most common ways that people build their wealth. It takes a bit of time to see the dividends, but it is easy and only requires a little bit of time each week. Plus, you can use a stock broker to manage your investments for you.

Invest in Real Estate

The price of real estate fluctuates with the market, and this presents the opportunity for you to make money by purchasing properties and then selling them for a profit. It is risky because sometimes there is work that needs to be done on the property, and you have to balance the cost of repairs with the amount of profit you want to make.

Not all property needs to be maintained. You can buy land as an investment and hold it for several years until the value goes up. Then you can sell it for a profit. It is a risky investment because it is hard to predict if the value of the land will rise very quickly.

Gamble

Another way to take risks with your money is to gamble. Some people make a decent income gambling as a living. You can also make money gambling on the Internet on websites like Craps.com. One of the best casino games for making money is Poker. If you can get good at reading other players’ tells, you can make a lot of money gambling, and become financially secure that way.

The Best Route

English: Winding path in Rouken Glen Park Look...

 

 

 

 

 

 

 

 

It’s hard to say whether it is better to play it safe or take risks with your money. Every person is different and has to assess their situation before deciding which route to take. The best route is probably a combination of both playing it safe and taking risks. One thing is for sure, though. No matter what route you take on the path to financial security, getting there is one of the most important goals in life.

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Top 3 Money Health Risk

Image by Getty Images via @daylife

How many times did you hear your mom say, “Get that money out of your mouth, you don’t know where that’s been!”  Money, whether it’s paper or coin, is something that you handle nearly every day. It’s something you need to have, and no matter what you do, you are sure to come in contact with some germs. You’re probably wondering: Is your currency sanitary? The answer is no.

Dirty Money

Nearly 45 percent of paper money and 13 percent of coins carry some form of harmful bacteria, some more dangerous than others. During winter months, money can harbor influenza alongside E. coli and Staphylococcus Aureus.

Influenza

Each winter, scads of Americans succumb to the flu. High fever, aching muscles and a racking cough keep workers home and cost millions lost time. The kicker: you’re infectious before you realize it. Influenza can survive on money for at least 24 hours. When you touch a bill covered with the virus before touching your nose or eyes, you will probably catch it.

Escherichia coli

Escherichia coli, or E. coli, lives in the lower intestines of many living creatures, including humans, and is transmitted through fecal matter. Like influenza, sometimes an infected person doesn’t know he’s infected and can transmit the sickness without knowing it. Severe stomach cramps followed by nausea, vomiting and diarrhea can land you in the hospital.

Staphylococcus Aureus (Staph)

Staph infections can range from mild to fatal. Staph lives in the human nasal cavity and can be transmitted to currency through sneezes or mucus.

Staph can enter the body through an open wound and set up shop causing a nasty infection. Localized Staph infections can cause fever, chills, swelling and boils. More serious cases caused by an infection in the blood stream can lead to sepsis, a very dangerous blood infection. Most money tested were found to have some Staph present.

Protect Yourself

You really can’t avoid handling money all together, but there are things you can do to keep from getting sick and transmitting sickness to others.

The best way to prevent illness is to wash your hands. Wash hands as often as possible for at least 20 seconds with antibacterial soap under warm, running water. If soap and water isn’t available, use an alcohol-based sanitizer often.

Cover your mouth when you sneeze or cough. Try not to use your hands, but sneeze into the crook of your elbow instead.

Stay home when you’re sick. No one wants to take sick time, but in the long run, you’ll feel better sooner and won’t subject those around you to infection.

Becoming sick is inevitable, but by following some precautions, you can try to keep from it.

Knowing Your Options After Sustaining a Personal Injury

In a perfect world, no one would ever worry about getting sick or injured, and no one would need an emergency fund or plan of action. Of course, we live in reality and need to accept the fact that sometimes, it is important to plan ahead. The good news is that planning should not be difficult or stressful, especially when you surround yourself with a great team of people who can help guide you through even the toughest times.

Image via Flickr

After sustaining a personal injury, it is absolutely crucial that you know what to do. Having a few different options is important, especially if you are the family breadwinner. Setting up an emergency plan, and having a ready-made list of important contacts, especially a San Francisco personal injury attorney, can save your family from hassles and headaches.

Check out our list of the best ways to take action after an injury or illness.

Write it Down

It is easy to get caught up in chaos after an injury, but do not let your racing mind take over. Use your judgment and take note of the situation. Grab a pen and physically write down the course of events as best as you can. In the event you will need details later, you will not have to scramble.

Take Contact Information

Be sure to take names, phone numbers, and e-mail addresses of all parties present during an accident. It is important to have those on hand should you need them for future reference. If you have a cell phone or mobile device, program their numbers right on the spot.

Call Your Family

If your accident happened on the road, it is important to notify your family that you are okay. Speak calmly on the phone, and be sure to relay any important information, especially about any serious injuries.

Take Legal Action

In the event that you need medical care or need to stay home from work for a lengthened time period, know that the law can help and protect your family. Find a trusted attorney to walk you through the process. Ask friends and loved ones for great references, and rest assured those bills will be paid on time.

Now that you have seen our best ideas, you should be able to be better prepared for any unforeseen accidents or injuries. Remember that no matter what, you do have options and your family will be able to pull through the crisis, as long as you have a rock-solid plan in place. Sit down with your family and a reputable personal injury attorney soon to put a smart plan in writing before you need to utilize it.

How Different Races Survive in Different Countries

The Statue of Liberty, a symbol for Immigrants who entered America through Ellis Island via Wikipedia

Why do people leave their home countries? Why would anyone want to leave a place they’re comfortable in and venture out to an unknown territory? For many, the chances and opportunities for greater success are enticing enough to lure them abroad. America has witnessed several waves of immigrants from all over the world, starting with Europe, Asia and Latin America. Immigrants from all over the world come to America in search of the “American Dream” and the chance at success, no matter what your previous standing and current social status is.

Once immigrants move to a foreign country, how do they survive? Cultural and language barriers may prevent them from totally integrating with their host country’s society. Immigrants in the US may have lived in the States for 10 or 20 years, but that does not mean they’ve become a part of American society, either by chance or choice.

Instead of integration, different ethnicities opt to create a diaspora in their new country. In the case of Asian Americans, you see the rise of “Chinatowns”, “Koreatowns”, or “Little Indias” all over America. Like their name, these are simply areas in which many people of Chinese, Korean, or Indian descent congregate and live. They form their own community, separate from American society, that caters to their distinctive cultural characteristics. Hard-to-find food items, clothing styles from abroad, and music from their home country can be found in these Diasporas. Different races essentially create a miniature version of their old homes and cities so that they can create a community among those most similar to them culturally. Famous Asian Americans such as Leehom Wang have also experienced living in diasporas with his family, when his parents first immigrated to the US. There is a logic as to why immigrants always choose to move to larger cities.

These ethnic communities are not simply small towns in a city, but they can also come in other forms as well. Religion and culture play a strong bond in keeping people of the same ethnicity together. Religious places of worship, such as mosques, churches, or temples, bring together a specific group within an ethnic community. In addition, cultural elements bring people together through a shared common interest. These include classes on traditional dance styles or martial arts, artistic expressions such as calligraphy or print blocking, and more.

It is not difficult to find someone who has the same race or ethnicity as you in large cities. As a result, people are able to form communities and bond with others who have shared similar experiences. How do different races survive in different countries? The answer is simple: they find others just like them.

Moblie Sports Betting Info You Need To Know

Mobile Sports Betting Info You Need To Know

Mobile sports betting gained popularity with many online sports bettors.  Every online sportsbook has adapted betting to mobile phones so that prospective bettors will be able to place their bets at any given time of the day.  It is imperative to be knowledgeable regarding devices that each of the mobile online sportsbooks support. It is not enough that your phone is well-suited for this kind of application. There is a need to know if you will be allowed to place a bet and if your country has restrictions.

Device Supported by Online Sportsbooks

The iPhone is said to be at the forefront of all smartphones. The users of iPhones are very fortunate – mobile online sports betting sites recognize its popularity and have made the efforts to allow iPhone users to wager through them easily. A betting card will be made available, and with a simple touch, one will be able to place a bet. Resizing the betting card is possible to be able to take advantage of the most favorable odds.

Recent research has shown that Blackberry earned a huge share in the smartphone market. This phone was the forerunner as it offers the most online sportsbook support.  Wagers are placed in a very fluid and easy-to-manage interface. A browser is made available to easily place bets within a few clicks.  Processing financial transactions and placing wagers are optimized with a Blackberry, and can be utilized in many sportsbooks available.

Another one that has been making headway in the online sportbook industry is the Android OS. It has a system that is versatile and is comparable to a personal computer. Produced by Google, the Android OS runs pretty well on the internet. And because of its popularity, big-time online poker rooms have been making applications through this device.

Due to the growth of Android device users, online sportsbooks optimized their services to be fully utilized on the Android OS. The ease in mobile betting is what the Android has to connect to online sportsbooks, as well as to place a bet or use the cashier.

Versatility is the word that best describes smartphone sports betting.  As the means to the future, its numerous capabilities allow smartphone users an easy access to sports betting.  The strength of your browser and your phone’s signal will dictate your ability to place a wager, so it is best to keep this in mind.

It is good to know that mobile sports betting has been made possible no matter what phone you have right now. Definitely, this is one mode of betting that people should be using.

Making Decisions When Buying the Right Gadgets

Image via Wikipedia

There are many types of gadgets out there, and you will find yourself needing many of them on a regular basis. Because of this, there are decisions that you need to make before a purchase. You want to make sure you are getting the right gadgets for your needs, that’s why you need to take the following into consideration.

What is the Purpose?

There are gadgets for almost every facet of life. No matter what you need to do, you can almost always find an item to help you. There are baby monitors that allow you to see what is going on in the room. Some of them will even sync with your phone to alert you if something is wrong. When looking for a new item or device, you have a specific purpose in mind. Knowing that purpose, and the role that the item is going to fill, is important. It can help you narrow down your options and find the best item.

What Have Others Said?

You want to take reviews with a grain of salt, because you never know who or what is behind the review. However, reading a variety of reviews can be extremely helpful. You can find reviews on sites that are specifically for this purpose, on news sites, or even on blogs. Finding reviews is easy. You can search for them on Google, or you can look on specific websites. For example, you could look for the Samsung Transfix on Intomobile.com. This will give you some information and a review of the product.

Pricing

Many people today are careful about the purchases they make. Smart phones, tablets, and other gadgets are not cheap. However, if they are going to be used on a regular basis, they may be worth the price you pay. Weighing the cost and the benefit is important. If you have a tight budget, you may need to save a while for your new gadget, but it will be worth it in the end.

When you are making the decision to purchase a new item, no matter what it is, you should look into what is going to work best for you. Each situation is different – one person, after looking at all the factors above, may choose to get a new smart phone. Another person with a similar situation may choose a tablet instead. It is all up to what you need the item for, and what you choose to do. What is the best new gadget you have chosen to purchase?