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Best College Loan Advice: 9 Tips for Borrowing for College – CBS News #montel #williams #loans


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Best College Loan Advice: 9 Tips for Borrowing for College

  • Lynn O’Shaughnessy
  • MoneyWatch

Last Updated Apr 13, 2010 4:15 PM EDT

College loans . Yes, that time has arrived when parents of returning and new college students start thinking about applying for college loans. It’s also crunch time for graduating college students, who must begin repaying their college loans .

Unfortunately, many families get into trouble when they start shopping for college loans . When the college admission process is over, many parents are so relieved that they fail to do their homework before choosing college loans. College graduates also don’t give much thought to how they will tackle their college debt.

To help out families, who must borrow to pay the college, I’ve assembled some of my past college blog posts on student loans. Some of the posts will help you pick the best college loans and others will help those who must soon begin repaying their student loans.

There is no one right answer, but you will find links in this post to calculators that can help parents determine what level of college debt they can handle.

Students should limit their borrowing to federal loans only, which are safer and offer more protections than private student loans.

Federal loans are your best bet, but unfortunately many families gravitate to private loans because they don’t understand the difference.

In the early 1990s, only one out of every three college students took out college loans, but now well over half do.

There are federal student loan repayment opportunities that can dramatically shrink the monthly tab of eligible borrowers.

Don’t attend a college that has a high student loan default rate. Here’s how to find those default rates.

If you are struggling as you attempt to repay your student loans, here are some options.

Be extra careful about repaying student loans on time. The penalties can be astronomical.



Central Finance for financial advice and personal assistance all over New Zealand, from Cape Reinga to the Bluff and everywhere in between. #12 #month #loans


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Looking for a loan at a competitive interest rate with minimal fuss?

We offer loans from 12.95%, and we specialize in getting you the finance you require.

Every day, we arrange finance for our customers, from Cape Reinga, all the way down to the Bluff, and everywhere in between. We’re proud to say that we have helped over 20,000 kiwis get the finance they needed, when they needed it.

Our loans start from $1,000, and go all the way up to $500,000, with repayments starting from just $25 per week. We provide Personal Loans, secured or unsecured, Car Loans, Bridging Finance, Mortgages and Debt Consolidation Loans. We can also provide tailored finance packages offering you deferred payments, interest only payments and residual payments to fit your lifestyle.

YOU MAY NOT KNOW: Applying for loans with various companies not only wastes your time, wastes your money, and most importantly adversely affects your credit score. Your credit score drops with each application you do! We only perform 1 credit check and 1 PPSR, and we send this to a range of accredited finance providers to get the best deal for you.

At Central Finance and Loans we understand that every loan application is as unique as the client that sends it, so we assess each application individually based on its merits. Utilizing our long standing experience in the finance market, we handle the process from start to finish making the application process easy, so all you have to do is relax while we do all the work on your behalf.

With the backing of numerous underwriters leading the New Zealand finance industry, we can offer you finance for almost anything you need.

Our aim is to provide you with a friendly, professional, helpful service so you can achieve your goals and financial rewards faster and easier.

It’s not just about getting finance, it’s about getting the “right” finance for you.

Feel free to give us a call on 0800 100 630 to speak to an experienced consultant, or simply complete our 5 minute online application



What’s the best way to finance buying a car? Money Advice Service #financial #loans


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Buying a car is no simple decision. From buying outright, to buying a car on finance, there are many options. You also have to consider running costs. In fact, it’s probably the second most expensive thing you’ll buy after a home. So it’s important to make sure you get the best deal on financing.

Cash or savings?

When interest rates are so low, it’s likely that your savings will not be earning much in a bank or building society account. So rather than keeping your savings and borrowing at a higher rate of interest, you could use them to fund all or some of the cost of the car.

  • You should make sure you have enough savings left over for an emergency after you have paid for your car.
  • If you don’t have enough savings to buy the car outright, you could use them to give you the biggest deposit possible.
  • Even if you use money from your savings you may be better off buying the car on your credit card so you benefit from credit card purchase protection. You should pay the bill off in full the next month.

Use our Car costs calculator to work out the total cost of motoring.

Personal loan

Did you know?

Personal loans are usually the cheapest way to finance a car deal, but only if you have a good credit rating.

You can get a personal loan from a bank, building society or finance provider so long as your credit rating is good.

Make sure the loan is not secured against your home. Otherwise you will be putting your home at risk if you failed to keep up with repayments.

Shop around for the best interest rate by comparing the APR (or annual percentage rate, which includes charges you have to pay as well as the interest).

Pros

    It can be arranged over the phone, internet or face-to-face Covers the whole cost of the car but it doesn’t have to Can charge a competitive fixed interest rate if you shop around

Cons

    There may be a wait for the funds to appear, although some lenders make funds available almost immediately Other borrowing may be affected

Hire purchase (HP)

Hire purchase is a form of buying a car on finance and is paid in instalments where payments are spread over 12-60 months and you usually (but not always) have to put down a 10% deposit. They are arranged by the car dealer and are often very competitive for new cars (less so for used cars). The loan is secured against the car, so you don’t own it until the last payment is made.

Pros

    Quick and easy to arrange Low deposit (usually 10%) Flexible repayment terms (from 12 to 60 months) Competitive fixed interest rates

Cons

    You don’t own the car until the final payment Tends to be more expensive for short-term agreements

Personal contract plan

This type of car finance deal is a variation on hire purchase and tends to result in lower monthly payments. Instead of paying for the car outright, you agree to pay the difference between its sale price and its price for resale back to the dealer. This is based on a forecast of annual mileage over the term of the agreement. Payments are spread over a shorter term of 12 to 36 months.

At the end of the term you can:

Personal leasing

You can pay the dealer a fixed monthly amount for the use of a car, with servicing and maintenance included, as long as the mileage doesn’t exceed a specified limit. At the end of the agreement, you hand the car back. It never belongs to you.

Pros

    Motoring at a fixed monthly cost No worries about the car depreciating in value Flexible payment terms (from 12 to 36 months)

Cons

    Monthly costs are higher because servicing and maintenance are included Need to find a deposit (usually 3 months rental) Possible extra costs if you exceed the mileage limit The car is never yours

Car finance options – Things to look out for

As you compare car financing, there are a few key things to do before making a final choice.

  • Make sure you can afford the monthly payment.
  • Make sure you compare interest rates by looking at the APR (annual percentage rate), which includes all the charges you have to pay. Remember that a higher deposit will normally mean a lower interest rate.
  • Compare the total cost of borrowing, including all charges over the loan.
  • Think carefully before buying payment protection insurance (PPI) or other insurance, such as GAP cover, which can be expensive and may give limited cover. GAP cover is designed to pay out if your car is a total write-off and the outstanding finance is more than the value of your car.
  • Beware of early repayment or other charges, which kick in if you exceed the forecast mileage in personal contract plans (and also personal leasing).

Shop around

The best way to shop around for a good deal is to use an online comparison site. Here are some of the sites you might want to consider.



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Do you need a potential debt free fresh start? If so, you need to file a Chapter 7 bankruptcy and put a stop to the harassing calls, stop wage garnishment and other lawsuits being currently filed against you. Chapter 7 is considered the simplest type of bankruptcy, where you come out with the best chance for a fresh start. I am an experienced Bankruptcy Attorney Lake Worth, Fl.

West Palm Beach Chapter 13 Bankruptcy Attorney

Chapter 13 bankruptcies on the other hand allow debtors to reorganize the debt and like Chapter 7 bankruptcy, it may totally erase or greatly reduce many types of unsecured debts. However, under a Chapter 13 bankruptcy you are required to repay a portion of your debts through a debt repayment plan which is supervised by the court.

Foreclosure Defense Attorney near Boca Raton

Facing foreclosure can be a scary situation for you and your family. As an experienced Palm Beach foreclosure defense attorney in Lake Worth. I want you to know that you do not have to lose your home just because you fall into foreclosure. Let our aggressive foreclosure defense legal services put a stop to it!

Mortgage Loan Modification Attorney

Not all loan modification attorneys are the same. Although most lenders utilize the same applications and request the same documentation from borrowers, experienced loan modification attorneys can best serve your needs. Because your documentation is time-sensitive, it is crucial that you see a professional as soon as practicable to direct you through the process.

Small Business Services, Formation and Compliance

It does not take a rocket scientist to form a corporation with a simple form and a filing fee to the State of Florida, Division of Corporations. The question is where do you go from there? Let our office help you make a determination regarding which corporate vehicle best suits your purposes and reduces your risk and liability.

Lake Worth Bankruptcy, Debt Relief and Small Business Attorney

My name is Alberto H. Hernandez and I am a debt relief attorney practicing in Palm Beach County and the rest of the Tri-County area of Florida, who seeks to help people with issues relating to debt collection, car repossessions, loan delinquencies, credit card debt, garnishment of wages and bank accounts, and foreclosure defense. I also help folks who want to form a company, those who need advice on corporate compliance and purchase and sales of businesses. I have been an attorney working in South Florida since 1991 and I have seen my share of cases and folks with stressful situations brought about by loss of job, medical problems, divorce or separation and other dire circumstances. Forming a new business and complying with the law can also be stressful.

If you are on my website it is probably because you or your company are now being harassed by creditors, have received a lawsuit summons and complaint, and/or are now overwhelmed by debt. You may also be apprehensive about taking the step to begin a business. The truth is, I can almost always help you with your financial problems whether they are business or personal. At minimum, I can point you in the right direction for your circumstances. Whether I can advise you to file bankruptcy to lessen your financial burden or suggest a way to negotiate with your creditors, you can only get informed if you take an affirmative step forward.

The key is to set up an appointment as soon as possible so that I can listen and learn about your particular situation. There is no obligation and the consultation is free. Let me provide you with compassionate debt relief solutions and alternatives so that you can obtain peace of mind in due course. I am a seasoned Bankruptcy Attorney in Lake Worth, Fl. willing to work with you in order to get you out of debt in a way that protects you!

West Palm Beach Bankruptcy Attorney Alberto Hernandez P.A. 2017 all rights reserved – designed by Florida Web Design powered by Miami Search Engine Optimization



Automotive Tools Tips Advice – Kelley Blue Book #best #bank #loans


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Upside-down on a Loan?

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It is common knowledge among automotive salespeople that roughly two-thirds, more or less, of all new-car buyers who walk into a dealer’s showroom have a current car to trade in, and roughly two-thirds of those, more or less, owe more on that existing vehicle than its trade-in value. If you owe more on something than it’s worth, in the terminology of the industry that is known as being “upside-down,” and it applies to roughly half of all new-car buyers. This didn’t used to be so common, as there was a time when a prudent buyer tended to purchase a car and diligently pay it off. But, with incentives on the rise, low-interest, long-term loans dominating the financial landscape and increasing numbers of buyers over-extending themselves by seeking instant automotive gratification, more people are finding themselves in the situation of owing more on the vehicle loan than the car is worth.

In a market that pushes the newest, latest car designs, many people feel they have to get into a new car — whatever it takes. Others simply don’t feel comfortable driving a car that is out of warranty or has a lot of miles on the odometer. Whatever the reason, the fact remains that dealers and financial organizations are willing to accommodate these purchases by making deals that roll-over the debt owed from the trade-in and add it to the financing for the new car with, understandably, a higher loan amount over a longer period of time. This is done to keep the monthly payment low enough to be affordable. What sometimes doesn’t get noticed by the buyer is that he or she is now making payments on two cars — the new one and what was left of the old one — and taking a very long time to pay it all off.

Furthermore, when a buyer is described as being upside-down it is quite often not for just a few thousand dollars. Many buyers are upside-down by 10 or 20 thousand dollars, or even more and, at their current rates, it will be years before they are even.

Why is this so common?

The combination of hefty incentives, smaller down payments and the general willingness on both financial and dealer organizations’ parts to create roll-over loans has influenced the market to accommodate lenders’ needs and find creative solutions to getting buyers into new vehicles. Some of these methods are less desirable than others but, ultimately, it’s a personal financial decision a car buyer must make before taking the plunge. And, in truth, the real reason many people are so far upside-down is because they were too eager to get a new car and didn’t consider the financial consequences. When a buyer is heavily upside-down, it didn’t happen by accident.

Understand Your Position

Don’t know if you’re in this situation? To find out, simply look up the trade-in value of your current vehicle — be sure to rate your vehicle’s condition by selecting the “Rate It” link on the pricing pages. If your trade-in value is less than the balance of your current car loan, you are upside-down by that amount; if you were to trade in that car on the new car, you would still have to give the dealership the additional money just to come out even on the trade. Check out your car’s private party amount. Is it still less than your debt? If not, you may want to try selling it yourself.

Understand Your Options

If you find yourself in this position, you have several options — each with benefits and risks attached:

Option 1: Roll-over the existing debt to a new car loan

Benefit:

The biggest benefit to choosing this option is that you will be able to drive that new car off the lot, possibly for a comparable monthly payment.

ent.

Risk:

You will probably be asked to finance a long-term loan, which means you will owe a lot more than the new car is worth, and is going to be worth, for an even longer period of time.

Option 2: Find a new car with an incentive amount that covers your debt

Benefit:

This finance trick is great for covering the amount of your trade-in debt and will eliminate the roll-over effect.

Risk:

Remember that with most incentivized vehicles the resale value is taken out of the car up-front. In other words, you’ll find these cars’ values drop faster than other cars that do not have incentives, thus placing you in another upside-down position later. NOTE: This is still less risky than Option 1 because, in this case, the manufacturer has absorbed part or all of the negative balance.

Option 3: Keep the car you have until its value catches up

Benefit:

The obvious benefit here is that you will have equity to work with when you’re ready to look for a new car. Generally, this is the wisest financial choice and, taken to its logical conclusion, it will get you back on top of things. But it doesn’t satisfy many buyers’ desires for instant automotive gratification.

Risk:

The only risk is that your car could have excessive miles and damage, reducing the amount you have to barter with. But, if you can live with it for a while and pay it off, you will eventually be back in a much better financial position.

Option 4: Refinance your existing car with a shorter-term loan

Benefit:

Third-party financial companies, like  LightStream, an online lending division of SunTrust Bank. offer refinancing loans that could speed up the time it takes to get your loan healthy.

Risk:

You risk missing out on getting those new wheels, of course, but you may also find yourself outside your current car’s warranty coverage and accumulating a lot of miles on it. And, to restructure in this way will almost certainly mean your monthly payments will increase — after all, you’re refinancing the remaining portion of an existing loan over a shorter time period.

As you can see, both consumers and dealers are coming up with highly creative ways to deal with this growing issue. The biggest danger is that rising interest rates — even increases as small as one percent — could equate to an increase of several hundred, or even a few thousand dollars over the life of the loan. With some loans being financed for terms as long as 96 months (eight years), the effect of rising interest rates and the practice of rolling-over an existing loan into a new one could result in an unfortunate situation that would negatively affect your personal financial health. And all for a new car.

Avoid Being Upside-Down Again

Finally, here is some general advice on things you could do before you pursue your next car purchase:

  • Educate yourself on your credit score don’t pay a higher interest rate than you need to.
  • Educate yourself on available interest rates in the marketplace before applying for a loan; know a good rate when you see one.
  • Do plenty of pricing research on available new car and trade-in values to get a good value on both transactions.
  • Match your loan to your expected ownership length of time; a longer loan will help keep monthly payments low, but chances are it will lead to being upside-down when the time comes to trade in for yet another new car.


Automotive Tools Tips Advice – Kelley Blue Book #litton #loan #servicing


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Zero-Percent Financing: Financial Fact or Fiction?

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When you hear or see ads touting zero-percent financing, your first reaction may be one of skepticism. How can any finance company offer a car loan with no interest? Yet, zero-percent financing is currently one of the most popular incentives in the automotive industry, and it is offered by the finance arms of major automotive manufacturers.

Just as they offer vehicles with cash rebates, car companies subsidize the finance arms of their corporations, essentially pre-paying the loan interest on specific models. Each company follows the individual formula that works best for it depending upon the cost of the vehicle and the loan term.

The automotive industry on the whole has been on a downward sales trend since before the events of 9/11 and, since that time, zero-percent financing has been offered on more brands than ever.

Does zero-percent financing work? In large part, yes. According to the J.D. Power Dealer Finance Study, it is considered to be one of the most successful motivators to get car buyers into dealerships. Another side of the issue is that while the enticement of zero-percent financing brings many car buyers into the dealerships, those buyers may not necessarily end up with the zero-percent loan — for a variety of reasons, which we’ll explore.

When it comes to zero-percent financing, what is fact and what is fiction?

  1. Zero-percent financing usually requires a shorter-term loan, which can require higher payments.

The most common zero-percent finance deals tend not to extend for as long as the conventional auto loans, so many buyers may opt for the conventional loans in order to keep the monthly payments lower — even though they will end up paying a lot more money in the long term. There are, however, exceptions to this rule, in which zero-percent financing may be offered in longer terms.

  • Zero-percent financing requires unblemished credit to qualify.
    Not necessarily, as some finance programs are moving to go after an expanded audience of buyers with less than perfect credit scores.
  • Zero-percent financing is available only on a limited number of models in dealer stock — not on special orders or certain option packages.
    Most zero-percent deals tend to apply only to the vehicles on the dealer lot and they may not include special option packages or premium models.
  • Zero-percent financing is usually offered in an either/or situation with a cash rebate and you must choose between the two.
    Most of the programs typically follow this formula.
  • If you qualify for zero-percent financing, negotiating a lower price on the vehicle may be more challenging.
    Although this may happen, a reputable dealership will be open to negotiating the deal before applying the zero-percent financing to your sale. As always, we recommend you do your homework before buying.
  • Even if you do not qualify for zero-percent financing, excellent interest rates are available.

    An online lender such as LightStream, an online lending division of SunTrust Bank. can, in many cases, get you a lower interest rate than a dealer might offer. For this reason, we recommend shopping loans online to make the best possible choice before you go to the dealership.

  • With all these facts in mind, many people will be attracted to zero-percent financing. Although this trend has been around for a couple of years, most industry experts believe it can’t last forever. With the advent of lower interest rates and flexible terms, today’s car buyers are finding creative financing options at an all-time high. And, with the economic challenges facing many car buyers, these programs will continue to bring buyers into dealerships.



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    Bankruptcy can provide an opportunity to get a fresh financial start and end the constant stress of financial problems. We understand that filing for bankruptcy is a big step, and you probably have many questions and fears.

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    Louisiana’s Oldest Bankruptcy Law Firm

    Bankruptcy law has been our primary focus for more than 50 years. We represent individuals and businesses in filing for Chapter 13 bankruptcy (restructure and reduction plans) or Chapter 7 bankruptcy (Liquidation). Three of our attorneys are certified by the Louisiana Board of Legal Specialization as Consumer Bankruptcy Specialists and/or Business Bankruptcy Specialists.

    CHAPTER 13 – NO UP FRONT FEE

    In most cases, we do not require you to pay the fees and expenses in advance because the fee and expenses are included in the monthly payments made to the Chapter 13 Trustee. Court costs are normally paid prior to filing but may be paid in installments.

    Free Consultation

    It costs nothing to talk with us. Call or contact one of our offices to schedule a free, confidential appointment with one of our eight experienced bankruptcy attorneys. You will be treated with respect. We will provide you with a free credit report and we will explain your options in a Chapter 13 and Chapter 7 so that you can decide what is best for you.

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    Bankruptcy in Louisiana

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    Shreveport Office
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    Phone: 318-550-4873
    Toll Free: 888-341-8091
    Fax: 318-868-8966
    Forms

    Lake Charles Office
    1 Lakeshore Drive, Suite 1600
    Lake Charles, LA 70629
    Phone: 337-513-0290
    Toll Free: 888-341-8091
    Fax: 337-436-7333
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    Baton Rouge Office
    10626 Linkwood Ct, Suite C
    Baton Rouge, LA 70810
    Phone: 225-224-0340
    Toll Free: 800-580-9182
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    Lafayette Office
    2901 Johnston Street, Suite 202
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    The law firm of Simon, Fitzgerald, Cooke, Reed Welch is focused exclusively in consumer and small business bankruptcy. From offices in Shreveport, Lake Charles, Lafayette and Baton Rouge, we serve surrounding cities of Louisiana, including New Iberia, Prairieville, Central, Sulphur, Eunice, Opelousas, Zachary, Baker, Gonzales, Crowley, Minden, Abbeville, De Quincy, Carencro, Scott, DeRidder, Eunice, Denham Springs, Gonzales, Breaux Bridge, Ville Platte, Mansfield, Coushatta, Benton, Oberlin, Jennings, Cameron, Ville Platte, Lafayette, Abbeville, New Roads, Plaquemine, Donaldsonville, we also serve surrounding parishes of Louisiana, including Caddo, Bossier, Webster, DeSoto, Calcasieu, Beauregard, Lafayette, Iberia, East Baton Rouge, West Baton Rouge, Livingston, and Ascension.



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    Certified Occupational Therapist Assistant Salaries

    Alternate Job Titles: Certified Occupational Therapist Assistant

    • What is the average annual salary for Certified Occupational Therapist Assistant?

      How much does a Certified Occupational Therapist Assistant make? The median annual Certified Occupational Therapist Assistant salary is $55,120. as of May 30, 2017, with a range usually between $49,656 – $60,562. however this can vary widely depending on a variety of factors. Our team of Certified Compensation Professionals has analyzed survey data collected from thousands of HR departments at companies of all sizes and industries to present this range of annual salaries for people with the job title Certified Occupational Therapist Assistant in the United States.

      This chart describes the expected percentage of people who perform the job of Certified Occupational Therapist Assistant in the United States that make less than that annual salary. For example the median expected annual pay for a typical Certified Occupational Therapist Assistant in the United States is $55,120, so 50% of the people who perform the job of Certified Occupational Therapist Assistant in the United States are expected to make less than $55,120.

      Source: HR Reported data as of May 30, 2017

      • About this chart

        This chart describes the expected percentage of people who perform the job of Certified Occupational Therapist Assistant that make less than that salary. For example 50% of the people who perform the job of Certified Occupational Therapist Assistant are expected to make less than the median.
        Source: HR Reported data as of June 2017

        Assists an Occupational Therapist with rehabilitative activities for patients who may have developmental, physical and emotional impairments. Prepares equipment for treatment and may perform clerical duties for the department. Requires an associate s degree and passing of a national examination to be a Certified Occupational Therapist Assistant (COTA). Familiar with standard concepts, practices, and procedures within a particular field. Relies on experience and judgment to plan and accomplish goals. Performs a variety of tasks. A limited degree of creativity and latitude is required. Typically reports to an occupational therapist. View full job description



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    Cartoonist / Animator Salaries

    Alternate Job Titles: Cartoonist / Animator, Cartoonists and Animators, Cartoonists Animators

    • What is the average annual salary for Cartoonist / Animator?

      How much does a Cartoonist / Animator make? The median annual Cartoonist / Animator salary is $51,107. as of August 03, 2017, with a range usually between $42,626 – $61,802. however this can vary widely depending on a variety of factors. Our team of Certified Compensation Professionals has analyzed survey data collected from thousands of HR departments at companies of all sizes and industries to present this range of annual salaries for people with the job title Cartoonist / Animator in the United States.

      This chart describes the expected percentage of people who perform the job of Cartoonist / Animator in the United States that make less than that annual salary. For example the median expected annual pay for a typical Cartoonist / Animator in the United States is $51,107, so 50% of the people who perform the job of Cartoonist / Animator in the United States are expected to make less than $51,107.

      Source: HR Reported data as of August 03, 2017

      • About this chart

        This chart describes the expected percentage of people who perform the job of Cartoonist / Animator that make less than that salary. For example 50% of the people who perform the job of Cartoonist / Animator are expected to make less than the median.
        Source: HR Reported data as of August 2017

        Provides drawings or animations used in advertising, illustrating ideas and promotional efforts to amuse audiences or to meet other needs. Uses various methods to communicate the organization s efforts through an assortment of freehand artwork. May prepare artwork for printing or mass production. Typically reports to a supervisor or manager. Works on projects/matters of limited complexity in a support role. Work is closely managed. Typically requires 0-2 years of related experience. View full job description



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    Mr. Loewenthal is ivy-league trained
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    If you have suffered a significant injury or the death of a loved one, it’s important that you have an attorney on your side who is experienced and whom you can trust. We are the New Jersey Injury Lawyers at Nusbaum, Stein, Goldstein, Bronstein Kron, P.A. Counselors at Law, a general practice law firm that is well established and highly respected in the community. For information on the general practice, please visit www.nsgbklaw.com. Here, we discuss our personal injury practice. We are Lewis Stein, Robert D. Kobin and Steven J. Loewenthal, and we have more than 80 years of combined legal experience assisting residents of Morris County, New Jersey, and the surrounding areas in personal injury cases involving auto accidents, truck accidents, fall-down accidents, construction site accidents, defective products, dog bites, burn injuries, wrongful death, medical malpractice and nursing home injuries. While we have prestigious legal backgrounds and experience, perhaps most importantly, we truly care about our clients. That’s why we feverishly work to simplify the details involved in resolving your case and recovering money for your damages, allowing you to focus on getting better. Over the years, we have obtained over $50 million for clients. Let us work to get money for you.

    Morristown Car and Truck Accident Lawyers

    Throughout the years, we have gained a reputation as aggressive litigators who won’t back down. For that reason, we are well respected in the industry and by insurance company representatives who know from past experience that we must be taken seriously. When handling your personal injury matter, we will analyze your case to discover your specific needs and follow through with thorough investigation. We won’t leave any stone unturned as we identify and talk to witnesses right away and use any potential opportunity to get valuable information from our adversary. We are not a run-of-the-mill firm, and our educational backgrounds, intellectual capacity and level of experience cannot be matched. To speak with a New Jersey Injury Lawyer at Nusbaum Stein regarding your personal injury matter, contact us online or call 862-251-6822.

    Call Us for Assistance With Your Slip-and-Fall Injury Case. We Get Results.

    Knowing that you are going through a difficult time, we offer caring, compassionate service and do all that we can to make the legal process as easy and painless as possible for you. We are available to answer your questions and address your needs, and will not pass you along to a staff member when you call. We will be attentive to your needs as we work to maximize your award. When you have the New Jersey Injury Lawyers at Nusbaum Stein on your side, you are going to get results. Contact us online or by calling 862-251-6822 to discuss your slip-and-fall, auto accident, truck accident, fall-down accident, construction site accident, defective product, dog bite, burn injury, wrongful death, medical malpractice or nursing home injury. You don’t pay a fee unless we make a recovery.

    View Our Areas Of Focus

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    Independent Appraiser Insurance Dispute Appraisal Process #independent #appraiser,insurance #dispute,insurance #advice,appraisal #umpire, #insurance #fire #claims,independent #insurance #appraiser


    #

    Insurance Claims Help Services For Insurance Claim Disputes, Independent Appraiser, Insurance Appraisal Process, and Appraisal Umpire Services!

    The Insurance Claims Group is a group of licensed, qualified, professional, insurance claim experts providing insurance claims help for policyholders and carriers involved with an Insurance Appraisal Dispute. We have consulted with and provided thousands of detailed Insurance Claim Estimates for homeowners and insurance companies in relation to their insurance claims. Our experts are available as independent appraisers and insurance appraisal umpire for the insurance appraisal process and insurance claim disputes. Such services are provided for insurance claim disputes and damages that are a result of:

    • Fire Insurance Claims
    • Smoke Damage
    • Water Damage
    • Lightning

    Feel free to Contact Us for any type on Insurance Claim Help you may need. We will answer all your questions, provide a review of your current claim, and let you know exactly where you stand. ALL AT NO COST TO YOU – All of this is part of your FREE CONSULTATION.

    As Insurance Claims Adjusters we have inspected and closed thousands of daily and catastrophe claims for insurance companies, as well as provided and negotiated replacement costs and repair damage analysis for restoration contractors and policyholders.

    Joe Brennan is President and owner/operator of Insurance Claims Group, Inc. a national independent adjusting, appraisal, and umpiring firm. Joe has been in the property loss business for more than 24 years. His loss experience began as a contractor/builder, which included water and fire damage restoration repair services. After 20 years of insurance restoration estimating and repair experience, Mr. Brennan became a licensed independent insurance claims adjuster.

    Joe has maintained his IICRC Certification in both Fire and Water Restoration and also maintains active adjuster licenses in 10 states. Throughout his career, he has handled many multi-million dollar losses, both commercial and residential. The amount of combined experience and knowledge of new construction, damage repairs, and insurance claims handling has advanced his ability to act as a Dispute Appraiser for Insurance Claim Dispute, as well as Insurance Appraisal Umpire. Mr. Brennan is highly educated with the insurance appraisal clause, the insurance appraisal process, and has been appointed as an independent appraiser by both policyholders and insurance carriers and appraisal umpire on dozens of dispute files.

    Insurance Claim Damages. It Is What It Is!

    Our philosophy is simple. IT IS WHAT IT IS. We believe that if resulting damages to property covered by an insurance policy can be repaired then it should be repaired. However, as per the policy, if the property cannot be repaired it must be replaced. Simply put, the damage. IS WHAT IT IS! In many cases, insurance companies and policyholders can become unreasonable on what can be repaired or what should be replaced. The repair or replacement must be real, the work and materials used should be replaced with that of materials of like – kind – and quality, and the work should be completed by a professional and competent repair contractor. Again, the damage IS WHAT IT IS.

    If drywall damaged by a small smoke claim can be cleaned, sealed, and painted; then that is what should be done. If the building suffered a large fire with heavy smoke damage and items require replacement; they should be replaced. It should be that simple. Not sure if we mentioned this but. THE DAMAGE – IT IS WHAT IT IS!

    Insurance Claim Appraisal Services!

    The Insurance Claims Group, Inc. can answer insurance claim related questions and provide advice and assistance for insurance claim damages that are a result of fire, smoke, wind, water, flood damage, hail, theft, hurricane, and even denied claims. The following is a list of professional services we provide:

    • Appraisal Umpire. In the event that a policyholder or the insurance company invoke the appraisal clause the two independent appraisers must choose an umpire. Most policies require that the two appraisers must select and agree upon an Appraisal Umpire within 15 days of the two appraisers being named. The chosen Appraisal Umpire must be an impartial, unbiased, and disinterested party in the outcome of the appraisal award. Our extensive experience with building repairs and the insurance appraisal process qualifies us as a choice above all to act as an Insurance Appraisal Umpire to resolve insurance claim disputes. [More.. ]
  • Independent Appraiser for Insurance Appraisal Clause. The Appraisal Clause can be invoked by either the insurance company or policyholder. The Appraisal Process is to resolve disputes only. To resolve such disputes, each party must choose an independent appraiser. An independent appraiser is an individual that is hired to resolve insurance claim dispute s. Insurance Claims Group, Inc. exceeds in their knowledge of the appraisal process and is available to represent the facts of the loss on your behalf. [More. ]
  • Insurance Claim Estimate. We provide inspection and complete insurance claim damage estimates for policyholders of homes and businesses, insurance attorneys, repair contractors, and insurance companies. [More. ]
  • Insurance Appraisal Estimating Assistance. In some cases contractors, attorneys, or appraisers may need assistance in preparing a defense for their claim. They may have questions or need advise on some parts of the estimate or damage. We provide consulting and evaluation assistance for any part of a claim you may require answers for. If we can’t answer your questions we can refer you to someone who can. [More. ]
  • Claims Consultation. Many times policyholders and contractors are unsure if damages are covered, if there are coverage limits, or find themselves overwhelmed with the complexity of the insurance claim process. In some cases the insurance companies may use industry terms or insurance lingo that can be confusing. We provide information on the insurance claims process, policy interpretation, estimates and estimating, as well as the insurance appraisal process, and umpire services. Educate yourself and understand how to obtain the correct settlement for your home and business insurance claims. [More. ]
  • Insurance Replacement Cost Valuation. Is your home properly insured? Do you have enough coverage to replace your home or building after a loss. Finding out that you are under insured after a large fire, flood, or hurricane can be devastating. We will provide an inspection of your home or building, take photographs, and provide a fully detailed replacement cost estimate. You can then make an educated decision on how much coverage you need for your property. Not too little, and not too much. [More. ]
  • We provide Insurance Appraisal Services in North Carolina (NC), South Carolina (SC), Georgia (GA), Florida (FL), Alabama (AL), Mississippi (MS), Louisiana (LA), Texas (TX), Virginia (VA), Maryland (MD), Delaware (DE), Washington DC, Pennsylvania (PA), New Jersey (NJ), New York (NY), Connecticut (CT), Rhode Island (RI), Massachusetts (MA), Ohio (OH), West Virginia (WV), Kentucky (KY), Tennessee (TN), Indiana (IN), Illinois (IL), Michigan (MI), Wisconsin (WI), Minnesota (MN), Iowa (IA), Nebraska (NE), Colorado (CO), Kansas (KS), Missouri (MO), and Oklahoma (OK). So, please feel free to gather information from our services and articles, or jump right in with any questions you may have by submitting on our insurance questions and answers page. We are here to help in any way we can.

    Joseph P. Brennan
    Independent Claims Adjuster,
    Insurance Appraisal Expert,
    Appraisal Umpire

    Feel free to Contact Us for any type on Insurance Claims Help you may need. We will answer all your questions, provide a review of your current claim, and let you know exactly where you stand. ALL AT NO COST TO YOU – All of this is part of your FREE CONSULTATION.



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  • Chicago Criminal Attorney #lawyer, #attorney, #law #firm, #law #office, #legal #advice, #criminal #defense, #drug #charges, #white #collar #crime, #dui, #murder, #sex #crime


    #

    Chicago Criminal Attorney

    Being arrested for a criminal offense in Illinois has severe legal, financial, and emotional consequences for the individual charged with the crime, as well as his or her family. Hal M. Garfinkel was a prosecutor, providing him with the knowledge about how the prosecution is going to build its case, and has 25 years of experience representing the interests of individuals involved in criminal cases. If you have been accused of a crime in the Chicago area, or throughout Illinois, or have learned that there is a pending investigation, it is critical to contact the Law Offices of Hal M. Garfinkel as soon as possible. We will advocate zealously on your behalf, bringing energy, skill, and knowledge to your defense strategy.

    An experienced Chicago criminal attorney plays a critical role in getting the best possible outcome for an individual charged with a crime. It is important to have an attorney with the skills and background to mount a comprehensive and detailed defense; however, the criminal defense attorney also must understand how the prosecution intends to present the case in order to counter the evidence being presented. Having experts such as investigators or reconstruction specialists on staff or retainer means that the defense attorney independently can investigate the evidence being used to support the charges and can discover flaws in the case. By doing this, it is possible to discover:

    • Problems with the investigation procedures followed by the law enforcement officers;
    • Undue duress during the interrogation;
    • Improper police lineups;
    • Over-broad search warrants or searches that were not based on sufficient evidence; and Any other actions that violate an individual’s Constitutional rights.

    A complete dismissal of the charges is possible under certain circumstances. If this cannot be done based on the facts of the case then a reduction in charges and a decrease in penalties may be negotiated. The Law Offices of Hal M. Garfinkel have an extensive history of getting acquittals at trial or getting a verdict on a lesser included charge.

    It is important for anyone who has been arrested for a criminal offense in Illinois to refrain from talking to the police or any authorities without a Chicago criminal attorney. Law enforcement officers will try to get a person to make admissions and they are very good at their jobs–they are permitted to lie to the suspect and misrepresent the evidence that they have. It is crucial to assert your right to remain silent and wait for counsel to arrive.

    Full-Service Chicago Criminal Defense Attorney

    At the Law Offices of Hal M. Garfinkel, we represent clients who have been accused of the following crimes:

    The ramifications of being convicted of one of these crimes in Chicago are life-altering. A person may face the following punishments:

    • Jail or prison time;
    • Fines, which may be thousands of dollars;
    • Community service;
    • Substance abuse classes;
    • Probation;
    • Sex offender registration;
    • A criminal record that will appear in background checks for employment and other matters.

    In addition to the direct consequences of an Illinois criminal conviction, there are many other social and economic repercussions that can have as much or more of an impact on a person’s well-being and happiness. These consequences include:

    • The denial of a job offer because of the criminal conviction;
    • Being turned down for rental housing;
    • Ineligibility for certain professional licenses or certifications;
    • Societal disapproval, which may lead to a loss of a social support network;
    • Challenges in obtaining loans, whether for personal, academic, or business use;
    • An inability to obtain security clearances necessary for certain employment opportunities;
    • A negative impact on immigration status.

    There are many advantages to contacting a Chicago criminal defense lawyer before the charges are filed. This allows an experienced defense attorney to represent the client and protect his rights as well as influence the direction of the investigation as it unfolds. This also provides the opportunity to scrutinize the techniques of the investigating officers in order to ensure that there are no due process violations. Although it is not always possible to anticipate charges, if a person learns about an ongoing Federal or state investigation, it is crucial to contact a skilled criminal defense attorney like Hal M. Garfinkel immediately.

    Give Yourself a Fighting Chance Against Criminal Charges

    The Law Offices of Hal M. Garfinkel represent clients in Cook, DuPage, and Lake Counties, as well as throughout the rest of Illinois. We are committed to providing an aggressive and effective defense for our clients. We understand the financial burden of defending against Illinois criminal charges. so we offer our Chicago criminal lawyer services at competitive rates in order to ensure that everyone has access to the best legal defense possible. In addition, we believe that it is critical for our clients to be able to reach us at any time, so we are available 24 hours a day, seven days a week, by telephone, email, or facsimile. Our initial consultation with prospective clients is free of charge. To schedule an appointment, call us at (312) 629-0669 or complete our online contact form .

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    Appleton Personal Injury Attorney #lawyer, #attorney, #law #firm, #law #office, #legal #advice, #personal #injury, #family #law, #lawyer, #attorney, #appleton #personal #injury #lawyer, #oshkosh, #green #bay, #new #london, #personal #injury, #wills, #trusts, #probate


    #

    Appleton, Green Bay, Oshkosh and New London Locations

    Attorneys Serving the Fox River Valley since 1959

    The Areas of Life That Matter Most

    A legal issue can touch the most intimate areas of your life: health, family or employment. When faced with these difficult situations, you need an attorney you can trust. At Herrling Clark Law Firm, Ltd. we offer high-quality legal services to Appleton, Green Bay, Oshkosh, and the surrounding Fox Valley communities. Contact us to speak with an experienced, trustworthy personal injury or family law lawyer.

    A Hometown Law Office Providing Big City Service in Our Community

    As a hometown law office, our ties to the Fox Valley run deep. In 1959, Don Herrling opened his law practice in downtown Appleton, Wisconsin. At the time, the city was surrounded by cornfields and was, seemingly, located in the middle of nowhere. Even though the community was small, Don Herrling knew his friends and neighbors deserved top-notch legal services without having to go to the big city.

    Though we offer big city service, Herrling Clark Law Firm, Ltd. is a hometown firm. Our attorneys and staff all live in the Appleton area; we shop at the local stores, attend the local churches and send our kids to local schools. We also support community events and participate in numerous civic activities.

    The Growth of Our Firm

    As the years have passed, Appleton and the Fox Cities have grown and so has our firm. With 15 lawyers joined by a professional support staff, we now offer more than 200 years of combined experience. Even though our legal team has expanded, we still hold firmly to our founder s belief: our friends and neighbors in the Fox Valley deserve high quality legal representation without having to drive to Madison, or Milwaukee.

    Building a History of Success

    It is not uncommon for us to serve the legal needs of generations of clients. In fact, many of our clients and colleagues regularly refer others to our office. We are truly honored by these referrals.

    Personal Injury, Family Law and Estate Planning

    From personal injury to estate planning, family law to business law, our practice areas are built around meeting our clients needs. We work to save our clients time and money by doing everything possible to reach an acceptable settlement. However, if negotiation fails, we are fully prepared to pursue litigation. By utilizing the services of top professionals in select fields, we build strong cases designed to produce results. Furthermore, because we are a hometown firm, we know the local judicial system, including the attorneys, judges and courts.

    Contact Us

    To speak with one of our attorneys, contact us online or call 800-559-7366 toll-free. We offer free initial consultations in personal injury and wrongful death cases. Our offices are located in Appleton, Green Bay, and New London, Wisconsin.



    Paralegal I Salaries by education, experience, location and more #paralegal #certification #seattle, #paralegal #i #unemployment #insurance #benefits #compensation #unemployed #salary #range #job #search #career #education #salaries #employee #assessment #performance #review #bonus #negotiate #wage #change #advice #california #new #york #jersey #texas #illinois #florida


    #

    Paralegal I Salaries

    Alternate Job Titles: Paralegal I, Law Clerk I, Legal Aid I, Legal Assistant I

    • What is the average annual salary for Paralegal I?

      How much does a Paralegal I make? The median annual Paralegal I salary is $52,824. as of May 30, 2017, with a range usually between $46,712 – $59,646. however this can vary widely depending on a variety of factors. Our team of Certified Compensation Professionals has analyzed survey data collected from thousands of HR departments at companies of all sizes and industries to present this range of annual salaries for people with the job title Paralegal I in the United States.

      This chart describes the expected percentage of people who perform the job of Paralegal I in the United States that make less than that annual salary. For example the median expected annual pay for a typical Paralegal I in the United States is $52,824, so 50% of the people who perform the job of Paralegal I in the United States are expected to make less than $52,824.

      Source: HR Reported data as of May 30, 2017

      • About this chart

        This chart describes the expected percentage of people who perform the job of Paralegal I that make less than that salary. For example 50% of the people who perform the job of Paralegal I are expected to make less than the median.
        Source: HR Reported data as of June 2017

        Provides support to attorneys. Under the direction of an attorney, resolves routine legal issues. Researches and analyzes law sources such as statutes, recorded judicial decisions, legal articles, treaties, constitutions, and legal codes to prepare legal documents, such as briefs, pleadings, appeals, wills, contracts, etc. May require an associate s degree or its equivalent and 0-2 years of experience in the field or in a related area. Has knowledge of commonly-used concepts, practices, and procedures within a particular field. Relies on instructions and pre-established guidelines to perform the functions of the job. Works under immediate supervision; typically reports to an attorney. View full job description



    Loan sharks – Money Advice Service #secured #loans


    #loan sharks
    #

    200,000 people are taking care of their money with our FREE money advice newsletter.

    Send me money advice

    Don t worry, we won t share your details. See our privacy policy.

    Loan sharks are illegal lenders who often target low income and desperate families. They may seem friendly at first but borrowing from them is never a good idea – even if your credit rating is poor or you only need a small amount for a short while.

    Why loan sharks are bad

    Warning!

    Some loan sharks have attempted to charge interest rates as high as 719,000% Source: BBC news story

    Loan sharks will start out being friendly. And if you keep up your repayments, they will stay that way. But the reality is, even if you do, any money you borrow will come at a high price.

    There are many risks attached to borrowing from a loan shark.

    • You pay far more in interest than you would through any legal borrowing. One woman who borrowed £500 ended up repaying £88,000
    • You may be harassed if you get behind with your repayments
    • You are often pressured into borrowing more money to repay one debt with another

    How to spot a loan shark

    A loan shark may:

    • Offer little or no paperwork, such as a licence, credit agreement or record of payments
    • Increase the debt or add additional amounts to it without your permission
    • Refuse to give information, such as the interest rate or how much you still owe
    • Take items as security, such as passports, bank cards or driving licences
    • Not allow you to settle your debt
    • Get nasty – they may resort to intimidation, threats or violence

    How to check a lender is legitimate

    The Financial Conduct Authority (FCA) keeps details of all licensed lenders, as well as everyone who has applied for a licence or has had one taken away or suspended. If a lender isn’t listed as having a current licence, don’t borrow money from them and don’t let them come into your home.

    Check the Consumer Credit Register to see if a lender is licensed.

    Loan sharks and the law

    Although some loan sharks resort to intimidation and even violence, they are not beyond the law. Any lender – licensed or unlicensed – who harasses you is breaking the law. Some loan sharks will threaten you by saying you will be prosecuted and even sent to prison if you don’t pay up. This can’t happen – an unlicensed lender such as a loan shark has no legal right to recover the debt.

    In fact, they have no legal right to make you pay the loan back at all – because the loan is illegal.

    Reporting a loan shark

    If you have been approached by someone you think is a loan shark, you need to report them and contact the police if you are in immediate danger.

    Alternatives to loan sharks

    If your income is low, you have a poor credit rating or you only need a small amount for a short while, there are still reputable lenders you can turn to instead of loan sharks.

    Credit unions

    If you’re on a low income or you need to improve your credit rating and you need to borrow a small amount for a short time, look into borrowing from a credit union. You will generally have to join first and some credit unions may ask you to save a small amount before you can borrow.

    Help from the government

    If you are short of money, ensure you are getting all of the benefits you are entitled to.



    Personal Finance Education – Tips, Articles and Advice #consolidation #loans #with #bad #credit


    #personal finance
    #

    Personal Finance

    Personal Finance Tips, Articles and Advice

    • RSS Feed for Personal Finance

    Personal finance education is the cornerstone to living a happy, healthy and successful life. It’s never too early to learn how to manage your money, keep your debt under control and invest for your future.

    The first step in your personal finance education should be achieving financial literacy: You’ll need to understand the words that professionals use when talking about money. The second step in your education should be talking about money. Too many people make poor financial decisions because they are afraid that discussing money matters is taboo. If you’re reading this, fear not, because we think talking about money matters is crucial.

    The articles below contain tips and advice on personal finance basics as well as more advanced concepts like financial planning. We’ve also included links to other useful resources.

    If you’re looking for advice in a hurry, you can always refer to “The Lazy Person’s Guide to Personal Finance ,” but remember, impatience is one of the “10 Reasons You Aren’t Rich .”

    Latest News on Insurance

    Select the service that is right for you!



    Medicare Advantage vs #magaly #olivero,evi #heilbrunn,medicare,health #care,medicare-bucket-analysis #[consumer #advice,medicare,health insurance]


    #

    Medicare Advantage vs. Medicare Cost Plans: What’s the Difference?

    In 2014, about 471,200 Americans are enrolled in Medicare Cost plans, which is far less than the 15.7 million who have Medicare Advantage plans. (iStockPhoto)

    Depending on where you live, Medicare Cost plans may offer the “best of both worlds” for older adults who want the flexibility of keeping their traditional Medicare benefits while simultaneously having access to out-of-network health care providers.

    “The key difference between Medicare Cost plans and other types of Medicare plans is that enrollees are not restricted to the plan’s network of providers. They can go outside the network to receive Medicare-covered services,” says David Lipschutz, senior policy attorney at the Center for Medicare Advocacy, a nonprofit in the District of Columbia.

    Medicare is the federal health insurance program for people who are age 65 and older and for certain individuals with disabilities. Medicare Part A covers inpatient hospital stays, while Part B covers doctor services. Medicare Part C refers to Medicare Advantage plans offered by private companies, and Medicare Part D offers prescription drug coverage.

    In some parts of the country, older adults have the option to enroll in Medicare Cost plans offered by private companies. But unlike Medicare Advantage plans, people with Medicare Cost plans maintain their traditional Medicare Part A and Part B coverage.

    According to Gerald Kominski, director of the Center for Health Policy Research at the University of California–Los Angeles, Medicare Cost plans are a “hybrid” between health maintenance organizations, which restrict enrollees to a network of providers, and preferred provider organizations that have a broader network of providers.

    “Medicare Cost plans are essentially an HMO with the option to opt out of the limited network and see any doctor using traditional fee-for-service Medicare,” Kominski says. “It’s like an HMO with an escape clause.”

    Some Medicare Cost plans include prescription drug coverage. or individuals can purchase a stand-alone Medicare prescription drug plan. Beneficiaries who seek out-of-network care pay the Part A and Part B coinsurance and deductible. To access services, enrollees must show their original Medicare card and cost plan card. People with Medicare Cost plans can return to traditional Medicare at any time, even outside the Medicare open enrollment period.

    Historically, Medicare Cost plans provided a managed care option in areas of the country that traditionally had few Medicare Advantage plans, Lipschutz explains. Medicare Cost plans pay based on the reasonable cost of delivering services, while Medicare Advantage plans accept the financial risks if costs exceed fixed payments per enrollee. With Medicare Cost plans, traditional Medicare steps in only when the enrollee goes out-of-network for care. not when costs are exceeded.

    That’s why consumers deciding between Medicare Cost and Medicare Advantage plans – which are both offered by private companies – should consider whether they want access to out-of-network doctors and hospitals. People with Medicare Cost plans can see out-of-network providers because traditional Medicare kicks in at that point, and the enrollee pays the deductible for Part A and Part B. It’s one of the main reasons why Medicare Cost plans are convenient for those who travel during their retirement. Consumers with a Medicare Advantage plan must see providers in-network and pay out-of-pocket if they happen to be traveling outside of their coverage area.

    In 2014, a total of 471,211 Americans in 15 states and the District of Columbia have Medicare Cost plans, according to the Kaiser Family Foundation. That’s significantly less than the 15.7 million Americans enrolled in Medicare Advantage plans.

    Looking at what’s available in 2015, Medicare Cost plans account for approximately 10 percent of the roughly 44,100 health insurance plans available to those 65 and older.

    Overall, Minnesota has the nation’s largest concentration of people with Medicare Cost plans. An estimated 289,000 of the state’s 836,000 Medicare beneficiaries have Medicare Cost plans, according to Jean Wood, executive director of the Minnesota Board on Aging. Minnesotans will be able to choose from 21 Medicare Cost plans in 2015.

    Wood attributes the popularity of Medicare Cost plans to the large number of “snow birds” – older adults who move to a warmer climate for several months during the year. “People can leave Minnesota and their Medicare Cost plan reverts to original Medicare Part A and B, which they can use fairly easily when they are out of state,” Wood says. “They appreciate having that flexibility.”

    Periodic discussions by federal officials to abolish Medicare Cost plans have concerned Minnesotans throughout the years, she says, “but our citizenry has been able to persuade Congress [to keep the plans] every time the subject has come up.”



    Identitiy Theft #identity #theft, #identity #protection, #identity #fraud, #identity #theft #help, #identity #theft #advice, #identity #theft #information


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    Identity Theft

    Identity Theft Warning Signs

    • Unusual activity on your credit report
    • Missing bills and statements
    • Emails or texts asking for sensitive information
    • Calls from creditors about accounts you never opened or loans you never applied for

    Thousands of men and women meet online every day and while online dating has expanded the dating universe like never before; a few bad guys fly under the radar and attempt to scam innocent people. While scams asking for money are more common in online dating, it is important to be aware of other equally important fraudulent practices such as identity theft.

    What is Identity Theft?

    To put it simply, when someone steals or attempts to steal your identity it is known as identity theft. Identity thieves use the victim’s personal information and details to fraudulently pose as the victim, usually for financial benefits.

    How Do Thieves Steal Identities?

    The identity thief uses the victim’s identity for personal gain and this leads to identity fraud. They make use of personal information such as bank account details, social security or tax file numbers, credit card details or any other financial account information for their personal benefit. They can get hold of this information through various online and offline methods.

    • Phishing They send emails or pop-up messages, pretending to be your financial institution to get you to reveal your personal details.
    • Pretending Once they obtain your personal email address or phone number, again they pretend to be your financial institution to get a hold of your information.
    • Changing Your Address If they know your home address, they can change the address and divert your bills and bank statements to a different address.

    In the offline world, some identity thieves resort to literally stealing your information.

    • Stealing They steal wallets, credit cards, mail from mail boxes, pre-approved credit offers etc. At the corporate level, they even target companies and steal personnel information from their databases.
    • Dumpster Diving They rummage through the rubbish to look for identifying information or bills they can use.

    Staying Safe

    Don’t become a victim of identity fraud; take these steps to prevent it from happening to you while you’re dating online.

    • Do not post or share any personal information and details with anyone, no matter how safe you think it might be. Bank account details, a credit card number or a social security or tax file number is often all a thief needs for fraud.
    • If you are talking to someone on the phone, get to know them before you give them your cell phone number. Identity thieves have been known to use home and work phone numbers in reverse phone directories to reveal addresses etc so it s probably best you get to know someone a little before you share your contact details with them.
    • Keep a log of your chat or IM sessions wherever possible, just in case you need it in the future.
    • Do not entertain any requests to cash a cashiers check as these checks are usually fake and as a victim you not only lose your money but could also reveal sensitive personal information to the scammer.
    • Monitor your credit reports regularly to ensure there has been no unusual activity on your account. You can also freeze your report so credit issuers can only access your report when you give them permission to do so.
    • If you receive emails, text messages or phone calls asking you for sensitive information, make sure you double check with the bank or financial institution as they will usually not ask for sensitive information over the phone.
    • Use a locked mail box so your mail cannot be stolen and make sure you shred paper before you throw it in the garbage.

    Getting Help

    Sensitive information in the hands of a thief can lead to several kinds of identity fraud – credit card, bank and finance, government documents (getting a driver’s license in the victim’s name; using social security number), getting a job pretending to be the victim, renting services etc. Obviously an imposter is bad news and if you think you are a victim of identity theft/ fraud, you must get help immediately.

    • File a police report.
    • Immediately notify creditors.
    • Dispute unauthorized transactions and doing so will help restore your name and credit report.
    • Set up a fraud alert on your credit report to prevent the thief from opening further accounts
    • Close the accounts that have been tampered with

    In addition, take a look at the links below for detailed information about identity theft and fraud.

    More Information

    • The US Federal Trade Commission s Identity Theft site
    • The National identity theft information and help website for the UK.
    • Guide for Identity Theft Victims

    Identity Theft and Fraud Legislation



    Professional Home Loan Modification Lawyer Get Help, Advice – Assistance #loans #for #bad #credit #people


    #home loan modification
    #

    What is a home loan modification?

    A loan modification is a reduction of your payment by your lender. This new payment is supposed to be affordable for the homeowner and in exhange for this lower payment your bank is now saved the cost and hassle of a foreclosure sale of your home.

    The payment is reduced to 31 percent of the home owner s income to loan ratio, and so the program is therefore only really of any use to those home owners who have home loan payments that exceed 31 percent of their monthly income.

    The goal of a home loan modification is to help home owners who find themselves unable to meet current home loan payment obligations by renegotiating interest rates, financing rates, deferred payments or to exit the obligation to avoid foreclosure. Read more about the requirements to qualify for a home loan modification .

    What is the point of a home loan modification?

    If protecting your credit score is a factor in your decision to make a home loan modification, then home owners who are delinquent on their home loan payments should note that they have already experienced an impact on their credit score, however this impact is significantly lower than the impact that a foreclosure will have. Working with a home loan modification lawyer can help home owners to maintain their property and prevent their credit score from taking any additional hits.

    The specific effect of a loan modification on your credit score depends on how the bank reports the modification to the credit bureau. It is possible and advisable to request that the bank report the change to the loan as a loan adjustment, showing on your credit report as a new loan with a lower payment and no increase in the debt structure. Reporting that the modified payment agreement is current will also help to protect your credit rating during the ‘trial modification phase of the home loan modification.

    The current mandate as outlined by the Obama administration to reduce foreclosures is a solid plan, but like any new program, there is a learning curve for both the lenders and the borrowers. The party that is usually ahead of the game is a home loan modification lawyer and can often cut through any cloudiness and guide the borrower while helping the lender see the benefits of yielding to a home loan modification, and to see it as a financially positive choice.

    In addition, you ll want to have the experience of someone who renegotiates home loans for a living and knows from that experience and the experiences of previous clients what a proper new home loan should look like for someone in your particular situation. You don t want to find out after 6 months or a year that your new home loan is still a difficult one to maintain.

    Listen to the horror story that this home owner had to go through by submitting an application without knowing all the rules, regulations or options available to her.  Consult Our Preferred Law Team of Lawyers to handle your home loan modification application, it might be your only chance to get what you deserve!



    Logbook loans campaign – Citizens Advice #what #is #an #fha #loan


    #log book loans
    #

    Logbook loans campaign

    Citizens Advice campaign win on logbook loans

    Citizens Advice welcomes the Law Commission’s announcement to review the Bills of Sale Act which governs logbook loans. We have been campaigning since the beginning of 2014 to secure changes to the way logbook loans and lenders operate so that consumers are better protected.

    We would like to see changes to the law to include:

    • the introduction of the same rights and protections as hire purchase and conditional sale agreements
    • Better protection for third parties similar to those offered in hire purchase conditional sale agreements.

    Hire Purchase and conditional sale agreements offer a much higher standard of protection to consumers by:

    • requiring lenders to obtain a court order or the consumer’s informed consent before taking possession of goods subject to an agreements, and
    • granting innocent third party purchasers (buyers who have purchased a used car without knowing a previous owner has secured finance against it) ‘good title’. This means that anyone who buys a vehicle in good faith, without knowledge of a prior hire purchase or conditional sale agreement can keep their car if there are problems with the agreement.

    Citizens Advice will continue to pursue these changes to ensure consumers are better protected under the law.

    Logbook loans leave people ‘overloaded’ with debt

    Citizens Advice has released new evidence which reveals that people who take out logbook loans have twice as many debts as other borrowers. We are deeply concerned that irresponsible lending practices in this market are leaving consumers overloaded with debt.

    This finding is the result of analysis of more than 23,000 cases of significant debt problems handled by bureaux between April and September 2013. It found 127 cases which involved a logbook loan (also known as bills of sale). The findings show, on average:

    • logbook loan debts were worth more than double that of payday loan debts (£2,500 compared to £1,000)
    • people with logbook loans had a total of ten debts, including other forms of credit, that’s double the number of loans held by all debt clients (five)
    • 57 per cent of clients with logbook loans also had one or more other type of high cost credit
    • 37 per cent of clients with logbook loans also had one or more payday loan
    • the total amount of debt across all loans for people with logbook loans was £13,500.

    The new research also finds that 40 per cent of people who took out a logbook loan are in work, with 33 per cent unemployed and 27 per cent not working due to things like caring responsibilities or ill-health.

    Citizens Advice is concerned unscrupulous logbook lenders are handing out loans to people in desperate financial situations without carrying out any proper checks to establish it they can afford to pay back the loan. Evidence we released earlier this year found that there was a lack of proper checks to make sure the borrower could afford the repayments and some borrowers did not have the terms of the loans clearly explained.

    What are logbook loans?

    Logbook loans, or bill of sale lending, is a high cost form of credit.

    A consumer will offer an item of their personal property (usually a car) as security for a loan they have taken. Interest rates are routinely circa 400 per cent annual repayment rate (APR) which is high for a secured form of lending.

    Our evidence shows us there is a particular lack of consumer protection in logbook lending which is still governed by the Bills of Sale Acts dating from the Victorian period.

    Press coverage

    The Daily Mail, The Times, Metro and the Independent i have published stories on our logbook loans campaign following our Survey Monkey poll. Find out more about our campaign

    Our Chief Executive Gillian Guy appeared on ITV News on 17 April to draw attention to the problem of logbook loans and aggressive debt collection practices within the market. Citizens Advice has seen cases where sexual harassment and death threats have been used to intimidate consumers. Our new figures show the number of loans are rising sharply – a worrying 33 per cent since 2011. The Independent discussed logbook loans on 18 April.

    How do logbook loans work?

    Under logbook loans, ownership of the item of property (usually a car) put up as security for the loan moves from the consumer to the lender meaning a lender does not require a court order before they can repossess the car.

    Although the market in logbook lending is small, the level of consumer detriment in this market is high. Irresponsible lending and aggressive debt collection practices are common because there is no incentive for the lender to negotiate when the consumer gets into payment difficulties as they can seize the asset after issuing a default notice.

    Some people who have taken out a logbook loan sell the car on without informing the buyer of the loan secured against it. The buyer stands to lose both the car and the money they paid for it if the lender decides to take possession of the asset – which is within their power. In these cases innocent third party consumers who have bought the car in good faith have few rights and their only access to redress would be to sue the person from whom they bought the car.



    Aquiris Plumbing and Heating #solutions, #services, #expertise, #advice


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    For all your plumbing needs.

    Hello, I’m James Brewer owner of Aquiris Plumbing and Heating, a North Somerset based plumbing company established to help with all of your plumbing needs.

    I am keen to take on all sorts of plumbing jobs, no matter how small, as I am aware that many other plumbing companies turn down the small, maintenance type work because they wish to focus on the larger bathroom or boiler installations. On numerous occasions my customers have been grateful for my help, informing me that they have not been able to find anyone else as the plumbers they have asked have said they are too busy to help.

    I know that although not everyone wants a new bathroom, everyone wants to finally get that cold radiator warm ready for the winter, or to get that dripping tap fixed, or to finally sort out that flush that’s wasting water and money as it continually runs into the toilet pan!

    I offer a range of services from general plumbing maintenance work to full bathroom installations with tiling, plastering and carpentry.

    My attitude is polite and helpful, my prices are competitive and fair, I work to a high standard and I always ensure the customer is happy with the work produced. I also like to keep customers informed so I take care to explain what work needs to be done and, more importantly, why the work needs to be done to enable you understand how your home works and to help with your future home maintenance.

    Whether you have a cold radiator, a leaky tap or require a new bathroom to be installed, Aquiris Plumbing and Heating is here to help.

    I am professional, efficient and take pride in the work I do. I treat your home as if it were my own and pride myself on being polite, courteous and respectful of your property and possessions. I am fully insured and offer a clear pricing structure so you can rest assured that there will be no nasty surprises at the end of the job.

    I mean it when I say that no job is too small. Many of my customers are relieved to finally find a plumbing company willing to undertake the small yet essential jobs. It seems that many of my competitors seem to overlook these small jobs in a bid to complete only large installation work. I understand that sometimes flushes break, sometimes taps drip, sometimes sinks smell and nobody can predict when this will happen. So call me today and I’ll be happy to help with all your plumbing needs!

    Full bathroom installations with floor and wall tiling.
    Fixing broken flushes
    Fixing leaking pipe work
    Servicing cistern components
    Changing pipe runs
    Installation of kitchen sinks, dishwashers and washing machines
    Installation of toilets, basins, baths and showers
    Resolving smells
    Clearing blockages
    Renewing silicone sealant
    Grout revival and renewal
    Waterproofing and leak prevention
    Installing radiators and towel rails
    Balancing central heating systems
    Cleaning and flushing central heating systems
    Fixing cold radiators
    Insulating pipework
    Bringing existing plumbing in line with current Water Regulations

    Landlord safety certificates

    Boiler, cooker, gas fire installations

    Unvented hot water cylinder installations

    All gas work is carried out by fully qualified Gas Safe engineers.



    Home Equity Loan Advice #ideal #home #loans


    #home equity loan rates
    #

    Home Equity – All about line of credit

    Latest advice on home equity loans, HELOC and line of credit

    Find A Home Equity Rate

    Home Equity Advice

    The simplest, most likely answer is that your heirs will be allowed to assume your loan and keep the home as long as they make the payments. But, as you’ll see, nothing is simple in estate law.

    November 17th 2015

    The average cost of a $30,000 home equity line of credit has been around 4.7% all year. That’s as cheap as those loans have been in more than a decade. But you still need to be very careful when tapping the value of your home.

    November 7th 2015

    If you’re among the millions of Americans bracing for the minimum payment on your home equity line of credit to go up – way up – there’s no need to panic. There are lots of ways to deal with repaying this debt.

    October 29th 2015

    Home equity lines of credit are great for home renovations or college bills, and lenders are charging 4% or less in many parts of the country. But is your home worth enough to support a second mortgage?

    October 24th 2015

    if you’ve had a “For Sale” sign languishing in your yard for more than a couple of months, there’s a good chance you’re doing something wrong or have a problem that you’re unaware of and haven’t addressed. Here’s how to get your property moving.

    Whether you’re redoing your kitchen or tackling a smaller project, our expert tips will help you avoid the biggest remodeling mistakes.

    If your home isn’t getting the right amount of heat at the right price, it could be time to replace your furnace. Our 10 tips will guide you.

    Some home repairs you can postpone forever. These are the kinds of leaks, shorts, cracks and critters that can lead to exceptionally expensive, even catastrophic, damage that you simply can’t ignore.

    Wells Fargo no longer allows home equity line of credit borrowers to make interest-only payments on their loans, meaning minimum monthly payments will rise. But this move could also save your house from foreclosure.

    These 6 smart moves will help you make shrewd choices in updating your house while avoiding costly budget overruns.



    East Brunswick NJ Personal Injury Attorney #law #firm, #law #office, #legal #advice, #lawyer, #attorney, #lawyers, #personal #injury


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    East Brunswick Personal Injury Lawyer

    A Central New Jersey Litigation Firm

    Direct Access to Powerful Representation

    Personal Injury • Workers’ Compensation • Criminal Law •Traffic and DUI • Divorce • Real Estate

    Whether you are seeking compensation for an injury, defending against criminal, traffic or DUI charges, or whether pursuing or challenging a divorce, the outcome of your case may depend on the skill of your attorney. At the Law Offices of Todd B. Eder, you are represented by an aggressive trial lawyer with over 35 years of experience and proven results.

    From our East Brunswick office, we represent the injured, the accused and parties to divorce in Middlesex, Monmouth, Ocean, and Somerset Counties in central New Jersey and the Jersey Shore, and in any other county in New Jersey to meet our clients’ needs. We are accessible 24 hours a day, seven days a week when you urgently need legal counsel.

    When you hire Todd B. Eder, Esq.. you get one-to-one personal attention. He will personally sit down with you to give you an honest assessment of your matter and will guide you through a legal system that can sometimes be frustrating and intimidating.

    Powerful Advocacy for Serious Legal Problems

    • Personal Injury Todd B. Eder, Esq. has handled hundreds of serious injury and wrongful death cases, from the simple to the complex, including car accidents. slip and falls. construction accidents, pedestrian accidents and product claims.
    • Workers’ Compensation We advocate for full benefits — medical, temporary pay and permanent disability — for a work-related injury, whether a traumatic incident or an injury or illness that developed over time.
    • Criminal Law/Municipal Violations/Domestic Violence We aggressively defend criminal allegations, including indictable offenses, juvenile charges, municipal offenses and domestic violence charges and final restraining order hearings. We can also clear your criminal record through expungement.
    • Traffic Law/DUI — We vigorously defend clients charged with DUI and other traffic violations, avoiding or reducing fines, points, license suspension and other penalties.
    • Professional Malpractice We have successfully sued lawyers, dentists and doctors for negligence that resulted in physical or financial harm.
    • Divorce and Property Settlement Agreements — Whether your issues with your spouse are contested or uncontested, we care and will guide you through your divorce. We can draft or review your Property Settlement Agreements. Let us be your strongest advocate.
    • Real Estate — Your home is your most important financial asset and needs protection. Let our experience help protect you with the purchase, sale or refinance of your home.

    Certified Civil Trial Attorney

    Todd B. Eder, Esq. is certified by the New Jersey Supreme Court as a civil trial attorney. and by the National Board of Legal Specialty certification, an American Bar Association accredited organization granting legal specialty certifications, as a board certified civil trial advocate. a recognition of his legal knowledge, courtroom experience and high professional standards. He established his own firm in 1997 and brings three decades of insight from his background as a plaintiff’s personal injury lawyer, defense counsel and former assistant county prosecutor.

    Call the Law Offices of Todd B. Eder, day or night at 732-937-9100 for a free initial consultation, including evening or weekend appointments, or contact us online. We make home and hospital visits for serious injuries, and there are no attorney fees in injury cases unless we recover compensation.

    Bold labels are required.

    The law firm of Todd B. Eder, in East Brunswick, serves central New Jersey, including all communities of Middlesex County (Carteret, Cranbury, Dunellen, East Brunswick, Edison, Highland Park, Jamesburg, Metuchen, Middlesex, Milltown, Monroe, New Brunswick, North Brunswick, Old Bridge, Perth Amboy, Piscataway, Plainsboro, Sayreville, South Amboy, South Brunswick, South Plainfield, South River, Spotswood, Woodbridge), Monmouth County (Aberdeen, Allenhurst, Allentown, Asbury Park, Atlantic Highlands, Avon-by-the-Sea, Belmar, Bradley Beach, Brielle, Colts Neck, Deal, Eatontown, Englishtown, Fair Haven, Farmingdale, Freehold, Hazlet, Highlands, Holmdel, Howell, Interlaken, Keansburg, Keyport, Lake Como, Little Silver, Loch Arbour, Long Branch, Manalapan, Manasquan, Marlboro, Matawan, Middletown, Millstone, Monmouth Beach, Ocean Township, Oceanport, Red Bank, Roosevelt, Rumson, Sea Bright, Sea Girt, Shrewsbury, Spring Lake, Spring Lake Heights, Tinton Falls, Union Beach, Upper Freehold Township, Wall, West Long Branch), Ocean County (including Bay Head, Brick, Jackson, Lakehurst, Lakewood, Manchester, Point Pleasant, Point Pleasant Beach, Toms River), Somerset County (including Somerset and Franklin), and throughout New Jersey to meet our clients’ needs.

    This Internet site is for informational purposes only, does not constitute the practice of law in any State, and should not be relied upon as legal advice or in lieu of consulting the Law Offices of Todd B. Eder, P.C. as each case is unique with differing facts, deadlines, legal approaches and conclusions.

    © 2014 by Law Offices of Todd Brandon Eder, P.C. All rights reserved. Disclaimer | Site Map



    Texas Divorce Lawyers #law #firm, #law #office, #legal #advice, #lawyer, #attorney, #divorce, #criminal #law, #bankruptcy, #immigration, #family #law, #personal #injury, #texas, #tx, #arlington, #bedford, #dallas, #fort #worth, #grand #prairie, #plano, #weatherford, #houston, #galleria, #westchase, #woodlands, #south #texas, #mcallen


    #

    Welcome

    Committed To Providing You Personal Attention

    Our attorneys are board-certified in personal injury, family law, criminal law, and appellate law. When you come to our firm for help with your legal matter, you can rest assured that you are working with highly experienced attorneys who are committed to resolving your legal matter.

    Bailey Galyen is dedicated to 100% client satisfaction. We offer Spanish language services, answer our phones 24 hours a day, 7 days a week, accept payment plans, and offer a free consultation in most cases. Learn more about our commitment to client satisfaction by scheduling a consultation with one of our experienced lawyers.

    We Care About Our Clients And Provide Superior Results

    Convenient Locations

    We have locations throughout Texas, including offices in Dallas, Fort Worth, Houston /Clear Lake, Arlington, Plano, Grand Prairie, Mesquite and Weatherford.

    Board-Certified Attorneys

    Many of our attorneys are board certified by the Texas Board of Legal Specialization in Personal Injury Law, Family Law, Criminal Trial Law, Appellate Law and Civil Law.

    Affordable Financing Available

    We offer an affordable financing option for legal services for Bailey Galyen clients. Qualified clients will be able to pay for legal services with convenient monthly payments making the cost of legal services within their reach.

    Talk To a Lawyer

    Don’t wait to get help from an attorney. Contact us now for a free consultation.



    Debt Consolidation. Free Advice & Debt Management. StepChange #private #loan #consolidation


    #government debt consolidation loans
    #

    Debt consolidation

    Debt consolidation is where you take out one large loan to pay off your other smaller debts. This can be risky and could make your situation worse.

    Should I consolidate my debts?

    We wouldn t recommend that you consolidate your unsecured debts (such as credit cards and personal loans) by taking out a secured loan against your house without getting advice from us first. This is because, if you fall behind with payments, you risk having your property repossessed.

    Try our debt consolidation calculator to see whether you need debt consolidation or debt advice.

    Budgeting

    If you re considering debt consolidation, you must work out how much you can afford to pay each month. You must take into account all of your needs and not use any more credit until you ve paid the consolidation loan off in full.

    Credit rating

    If you re in arrears with any of your current creditors, your credit rating is likely to be affected. This will mean that you re unable to get a further loan at a good rate of interest.



    James J #lawyer, #attorney, #family #law, #divorce #lawyer, #divorce #attorney, #divorce, #lawyer #rancho #cucamonga, #attorney #rancho #cucamonga, #divorce #attorney #rancho #cucamonga, #custody, #child #custody, #visitation, #child #support, #spousal #support, #alimony, #property #division, #domestic #violence, #domestic #violence #lawyer, #wage #assignment, #certified #family #law #specialist, #same #sex #divorce #attorney, #same #sex #divorce #lawyer, #gay #marriage #divorce #attorney, #gay #marriage #lawyer, #lesbian #marriage #divorce #attorney, #lesbian #marriage #lawyer, #lawyer #riverside, #attorney #riverside, #lawyer #san #bernardino, #attorney #san #bernardino, #divorce #lawyer #riverside, #divorce #lawyer #san #bernardino, #law #firm, #legal #advice, #rancho #cucamonga, #upland, #fontana, #chino #hills, #san #bernardino, #riverside, #claremont, #ontario, #victorville, #corona, #diamond #bar, #inland #empire


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    tydean1385
    He saved me $85,000 in a judegement from the court, the judge made a mistake and James caught it, he is very intelligent in divorce matters. He got my son for me from my ex-wife, a very difficult task. He saved my house for me and my sons. Well worth the money I paid him.

    timdejardin0112
    I recommend Law Offices of James J Kenny as an attorney very highly. He is a consummate professional yet still treats you like family. I will not hesitate to contact him, if needed, in the future.

    pondydell0206
    I am so happy with Law Offices of James J Kenny’s services and guidance. I used them to draft my Last Will and Testament. What I thought what I wanted my will to say wasn’t even close to what I needed. He was so wonderful in explaining what planning and language was needed to manage my estate. In the event that the use of my will becomes necessary, in the far, far, far distant future, I am confident that the work done now will provide and protect my family. Thank you.

    Welcome to James J. Kenny’s Law Office Website

    James J. Kenny. also known as Jim Kenny, is a Family Law Attorney located in Southern California with two offices located in Rancho Cucamonga and San Bernardino, Ca. Mr. Kenny has been practicing law since 1977 and is a certified Family Law specialist that works alongside Kelly Price, an Associate Attorney that is involved and experienced in all aspects of Family Law. These two dedicated Attorneys focus on divorce. child custody. visitation. Child support/spousal support. property division. wage support. paternity. business valuation. premarital & marital agreements and domestic violence. With their many years of experience, unrelenting dedication to their client’s cases and their resourcefulness, James Kenny and Kelly Price get Results! The Family Law Office of James J. Kenny serves the courts of Southern California including the Rancho Cucamonga Court. San Bernardino Court. Riverside Court. Pomona Court. Los Angeles Court and Victorville Court. They will also represent clients outside of these 4 courthouses, so don’t hesitate to call.

    James Kenny would like to personally note:
    “One thing that’s really important to me (James Kenny), is for you to feel like you are treated as a guest in my office. We go out of our way to be hospitable and respectful to insure that everyone and anyone feels comfortable while visiting our Family Law Office. We do not discriminate, and with that said, we accept all same sex, gay marriage and lesbian marriage family law cases.”

    What makes him a “Certified Family Law Specialist?”
    In order to earn the title “Certified Specialist”:



    Psychology Free Online Medical Advice, Mental Health, Anxiety, Relationship Advice #child #abuse, #borderline #personality #disorder, #manic #information #on #depression, #relationship #advice, #stress #post #traumatic #stress #disorder, #anxiety #attacks, #self #help, #symptoms #of #depression, #bipolar #depression


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    Psychology Free Online Medical Advice

    We comply with the HONcode standard for trustworthy health
    information:
    verify here. HON evaluates the quality and trustworthiness of medical web sites, and the logo to the left shows that HON has approved Web4Health.

    Disclaimer: The documents contained in this web site are presented for information purposes only. The material is in no way intended to replace professional medical care or attention by a qualified psychiatrist or psychotherapist. The material in this web site cannot and should not be used as a basis for diagnosis or choice of treatment. If you find something which should be corrected, please write to

    Copyright Web4Health 2003-2017 Stockholm (Sweden), L neburg (Germany), Ioannina (Greece), Goes (Netherlands), Rimini (Italy)

    The aim of Web4Health is to give good and useful free medical advice, help and self help in the areas of mental health, psychology, personality disorders, relationships, stress, anxiety, depression, emotional abuse, substance abuse, sexual abuse, types of mental illness, etc.

    Below is an example from our data base. This example will be automatically replaced about twice an hour.

    Medicines against Compulsive Gambling / Gambling Addiction

    Written by: Martin Winkler

    First version: 22 Jul 2008. Latest revision: 22 Jul 2008.

    Are there medicines against gambling addiction? Is Naltrexone useful for the treatment of compulsive gambling?

    I found an article abstract in the biggest international database Medline concering this topic by JE Grant and SW KIM.

    Ann Clin Psychiatry 2002 Sep;14(3):155-61 Effectiveness of pharmacotherapy for pathological gambling: a chart review.

    Grant JE, Kim SW.

    Although pathological gambling is a relatively common disorder, there exists only limited information regarding the effectiveness of pharmacotherapy for this illness. This study examines which medications may be effective, dose and duration of medication trials needed to achieve response, and possible predictors of response. Using a chart review, 50 adult outpatients with DSM-IV pathological gambling treated in clinical practice were assessed regarding response to a variety of medications, including augmentation strategies, and response to concomitant psychotherapy. All subjects received pharmacotherapy for gambling symptoms. Thirty-nine (78%) achieved response to medication treatment. Mean duration of treatment needed for response was 104.9 +/- 85.0 days. Of those treated with an adequate trial of naltrexone as monotherapy, 90.9% were responders, whereas only 45.5% of those treated with an adequate trial of an SSRI achieved response. Patients with poorer social and occupational functioning due to urges and thoughts about gambling were less likely to respond to medication. These findings from a clinical setting suggest that a majority of pathological gamblers improve with medication treatment. Naltrexone, or augmentation of naltrexone with an SSRI, appears to be most effective in relieving gambling symptoms.



    Does Online Cognitive Behavior Therapy Work? #anna #medaris #miller,hwbucket-mentalhealth #[consumer #advice,medical technology,psychology,depression,anxiety,health care,lthealth [consumer advice],healthwellness [consumer advice],mind,wellness]


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    When Your Therapist Is a Computer

    Experts say digital programs can help enhance the effects of traditional therapy or reduce the amount of time needed with an in-person therapist. (Getty Images)

    Each time Andy Strunk stood up to give a work presentation, the same few doubts ran through his head. “Am I qualified to be in front of these people? Who am I? Why am I credible to be here?” worried Strunk, a 37-year-old marketing manager at a technology company in San Francisco.

    But about a month ago, Strunk decided he had had enough. To progress in his career, he would need to tackle his public speaking fears now. “I don’t want to have my life dictated by this thing that is anxiety,” he says. So Strunk began seeing a psychologist. who is using a form of treatment called cognitive behavior therapy, or CBT, to help Strunk catch the negative thoughts before they begin – and replace them with the truth. “I’ve rewired my thinking to say, ‘I am credible to be here,'” says Strunk, who mentally lists his accomplishments before taking the stage.

    Strunk’s experience is representative of CBT, which focuses on “examining the relationships between thoughts, feelings and behaviors,” according to the National Alliance on Mental Illness. Rather than laying on a couch facing away from a therapist and delving into your subconscious and past, CBT is a collaborative effort between the patient and mental health professional aimed at improving life in the here and now.” CBT focuses on teaching people skills so they can learn to be their own therapists,” says Judith Beck, president of the Beck Institute for Cognitive Behavior Therapy and clinical associate professor of psychology at the University of Pennsylvania.” Usually, these are skills to help people change their inaccurate or unhelpful thinking and to change their unhelpful behavior.”

    While CBT may not work for all mental illnesses or may need to be combined with medications for some people, Beck says close to 2,000 studies support its effectiveness for treating all kinds of conditions, including mood disorders, substance abuse, eating disorders. marriage and family problems, and even severe mental illnesses like schizophrenia. It can work for all ages and in a variety of settings, such as schools and hospitals. “We don’t really yet know what CBT – appropriately modified – isn’t effective for,” Beck says.

    For Strunk, the therapy is a welcome alternative to the anxiety-reducing and sleep-inducing pills his internist originally prescribed. “It feels like I’m a little bit more in control of things that would typically go unchecked in my head,” he says. “That’s what I was after.”

    While Strunk has found the therapy sessions to be useful, he says they don’t allow as much time for the educational component of CBT as he’d like. So he’s also using an interactive computer program called Good Days Ahead to learn more about anxiety, how CBT works and to digitally track his moods and thought patterns. “It gives me a source of data that I plan now to introduce into the work that I’m doing with the therapist,” says Strunk, who learned about the program through his friend Eve Phillips, the CEO and co-founder of Empower Interactive, the company that launched Good Days Ahead.

    Online and computer-based CBT programs are nothing new, but today, “there are numerous treatment programs on the Internet and even more apps,” says Gerhard Andersson, a professor of clinical psychology at Linkoping University in Sweden. “The number increases every day.” Phillips says her company’s program is one of about a dozen on the market, and one of dozens if you include programs being developed and studied.

    Some programs including Good Days Ahead and one of the oldest and most widespread programs, Beating the Blues. work with practitioners and businesses like insurance companies, while others are available directly to consumers, usually for a fee. Good Days Ahead typically costs between $50 and $150 per person, depending on the setting, features and type of consumer, Phillips says. A different online CBT program specifically for social anxiety, Learn to Live. costs $150 for eight lessons.

    Experts say computer-based CBT programs like Good Days Ahead can help boost the effects of traditional therapy or reduce the amount of time needed with an in-person therapist. The programs – which may consist of educational modules, video tutorials and tools like apps and spreadsheets that help track moods and behaviors – also offer help to people who don’t have physical or financial access to a therapist, or for whom the idea of seeing a therapist is too anxiety-provoking. “You don’t have to travel, you don’t have to get a baby sitter, you don’t have to pay as much money. You can do it at a convenient time,” Beck says.

    Most important, many of the programs are effective. For instance, one study published last year compared face-to-face CBT to Internet CBT for conditions including panic disorder, male sexual dysfunction and spider phobia and found both routes to be equally effective. “When guidance is given online,” Andersson says, “CBT tends to be as effective as seeing a therapist, at least for mild to moderate problems of anxiety and depression.”

    Finding an Effective Program

    Just like there are poor clinicians, there are less effective computer-based CBT programs, Andersson says. That’s why it’s important to make sure you choose a program carefully. First, ask yourself if the nature of your problem is appropriate for computer-based therapy, especially if you’re planning to use it without the assistance of a professional, says Linda Campbell, a professor of counseling psychology at the University of Georgia and co-chair of a Task Force for Telepsychology Guidelines​. If you get anxious about taking tests, for example, a computer-based program may work well because it can suggest tangible skills for you to practice, such as sitting in the test room every day and imagining feeling relaxed and confident. In that case, be sure to look for a program that has been studied, requires a diagnostic checkup and offers support from a clinician, Andersson suggests.

    If you’re severely depressed. on the other hand, a computer-based program may not suffice. “Depression is rarely in a person’s control,” and so the steps introduced in computer programs alone may not be enough to treat it, Campbell says. What’s more, if someone is suicidal. not having contact with a professional who can monitor him or her can be dangerous, Beck adds. Other potential downfalls to using only computer-based programs for treatment include higher dropout rates and difficulty tracking outcomes. “We want to make sure that people who are engaged in the program do recover,” Beck says.

    For Strunk and others, an approach that combines computer-based and in-person CBT is the best way to go. “It’s a good adjunct to whatever therapy you’re going through,” Strunk says. Research supports his experience. One ​meta-analysis from the University of Pennsylvania and the University of Louisville Depression Center, for instance, reviewed ​29 studies of computer-assisted CBT and found that people with depression improved more if their program offered telephone or in-person support from a​ therapist. “Many prefer to see a therapist in person, and for some, it is the other way around,” says Andersson, who was not involved with the study. “But do not forget that in the future we will not be forced to choose. Rather, online and face-to-face will be mixed to get the best of both worlds.”

    A combined approach also has benefits for the health care system, says one of the study authors, Dr. Michael Thase​, a professor of psychiatry at the University of Pennsylvania Perelman School of Medicine​ and the Philadelphia Veterans Affairs Medical Center. In a different study of 154 people​ with major depressive disorder, Thase and his colleagues found that those assigned to a 16-week treatment that included both forms of CBT, rather than only traditional CBT, reduced the time spent with a clinician by one-third – with no difference in outcomes.

    Reduced clinician time is something worth cheering for since ​the ratio of mental health providers to people in the U.S. is 1:790, and less than half of people with a mental health issue report receiving treatment, according to Mental Health America. ​”There are so many more suffering people than there are therapists,” Thase says. “It’s not a threat [to our profession] – it’s a complement.”

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    Were you in an accident and need a NYC personal injury attorney? A New York City medical malpractice attorney? Michael Gunzburg, P.C. can help you with your case. With virtually 30 years of battle tested litigation experience and a proven track record of million dollar verdicts and settlements behind your case.

    We measure our success by the success of our clients.

    We also regularly communicate with our clients and provide you with updates on your case as it progresses through the court system. We frequently hear clients tell us at the conclusion of their cases, that they will miss hearing from us so often, and that our communications will leave a void in their lives.

    We consider the communication between our office and you pivotal to the successful prosecution and resolution of your case. We regularly return telephone calls from clients within 24 hours, and send out email updates all the time. We listen to you and work to understand your emotional, physical and financial concerns as we develop a legal plan of action to successfully prosecuting your case.

    We believe that strong communication between us makes your case even stronger.

    We use our communication to strengthen your case and fill in the important voids when needed. We also rely on your statements to emphasize the facts and your entitlement to a successful recovery in court. With 30 years of battle tested experience we stand ready to represent you and put our proven-track record of successful verdicts and settlements behind your case. Here what former clients have said about us on our client reviews page.

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      • It is impossible to predict exactly how long a case will take before we have evaluated it. Generally, if a case goes to trial, it can take between three to five years. Other cases may reach a settlement in under a year. Some cases can take longer. It really depends on when the note of issue is filed, and how long the court takes to schedule a case for a jury trial. The wait varies from County to County, and can add several years to the resolution of your case depending on the location of the case. We prepare all of our cases as if they are going to trial, even if they eventually settle.


    Debt Consolidation Reviews, Advice & Tips #loans #canada


    #debt consolidation
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    Debt Consolidation Overview & Video

    Understanding Debt Consolidation Options

    Are you confused by the different definitions for debt consolidation?

    Professional Debt Consolidation Options

    Both credit counseling and debt settlement are options for resolving a debt problem that consolidate your payment. Neither one consolidates a debt.

    However, in the debt relief industry, both are often referred to as programs that consolidate your debt.

    Credit counseling and debt settlement programs both have you send a single monthly program payment that is used to take care of your debt, but your debts still are owed to your original creditors. If you are looking for this kind of solution to solve your debt problems, you can apply with one of Bills.com’s pre-screened partners .

    To be used most precisely, “debt consolidation” should be reserved for describing options that actually consolidate your debt, not just your payment. For example, say you owe three different credit cards $5,000 each. If you get a $15,000 loan from your bank that pays off all three credit card debts, leaving you with one debt of $15,000, you have truly consolidated your debt. You no longer owe your three original creditors, having consolidated them into one debt you now owe to your bank.

    Debt Consolidation Alternatives

    The debt relief industry uses the phrase debt consolidation often, where it is used to describe both payment consolidation options and options that truly consolidate your debt. If you are looking to consolidate debt, because you have a debt problem, it is important to understand exactly how the term debt consolidation is used and how its use affects the pros and cons of each debt solution.

    • Debt Settlement . Debt settlement provides an aggressive debt solution designed for people in a financial hardship who have trouble making their monthly payments or will soon have trouble making them. Debt settlement firms obtain reduced pay-off balances by negotiating with your creditors. Debt settlement harms your credit rating, but it is the cheapest way to get out of debt while avoiding bankruptcy. Debt settlement consolidates your payments, but not your debt.
    • Credit Counseling . Credit counseling services provide two main services. They provide budgetary assistance after reviewing your finances with you. Credit counseling services also can work to establish a Debt Management Plan for you. In a Debt Management Plan, your interest rates are lowered, speeding up the time it takes you to get out of debt. A credit counseling service’s Debt Management Plan consolidates your payment, but not your debt.
    • Cash-out Refinance or HELOC . Both of these are true consolidation alternatives. To qualify for either, you have to have strong credit, qualifying income, and enough equity in your house to borrow against. Many people with debt problems cannot qualify for either of these consolidation alternatives.
    • Bankruptcy . A Chapter 7 bankruptcy can wipe out your debts, if you qualify. A Chapter 13 bankruptcy restructures your debts. A Chapter 13 essentially is a payment consolidation option, as you will make one payment to the bankruptcy trustee, who will distribute your payment to your various creditors, whom you still owe.

    Debt Consolidation Reviews

    You shouldn’t choose any particular debt consolidation option before you read reviews from people who tried that approach, so you can learn from their experiences.

    Similarly, you should read reviews about particular companies you consider hiring. Reading debt consolidation reviews will help you weed out bad players. Pay closer attention to more recent reviews and keep in mind that the internet is a place that often draws more criticism about companies than praise.

    Debt Coach

    Bills.com introduced Debt Coach. a free tool to help you compare your best options for getting out of debt. Debt Coach offers you a no-cost comparison of the five main strategies for paying off debt, while avoiding bankruptcy. Your solution is custom tailored to your individual situation. Debt Coach analyzes your debt load, credit rating, income, and assets, all while keeping your private information private.

    Summary

    Take the time to understand the terms used in the debt relief industry, before you select the right option for taking care of your debt. When looking into alternatives for consolidating debt. make sure you understand the difference between debt consolidation and payment consolidation. Either solution may be right for you, but it is important for you to understand how each option works, so you can compare the various pros and cons accurately.

    Image Sources: aboehmgarcia and iStockphoto.com/matsekku



    Advice About Consolidating Your College Loans #private #student #loan #consolidation


    #fed loan consolidation
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    Confused About Consolidation?

    Get the Facts Before You Decide

    The concept of student loan consolidation is simple: you apply for one large loan which will be used to pay off all your existing student loans. That single loan will be easier to manage, because you ll only make one monthly payment, and because it has a longer term than your old loans that payment will be smaller than the sum of your current payments. However, debt consolidation is sometimes a tradeoff, an exchange of easier payment terms for a more expensive loan, since you may pay more interest on the same sum over a longer period of time.

    The ideal consolidation loan would be one in which you took advantage of a financial trend to secure a lower interest rate, or were able to do so because of your excellent payment history, without extending the term of any existing loan. However, if your choice lies between consolidating existing loans while paying more interest over time and falling behind in your individual loan payments, you should take the consolidation loan.

    Should I Consolidate My Student Loans?

    As you see, deciding whether consolidation is the right course for you depends not only on your current situation but also on the terms of the new loan. If you have both federal and private student loans, you will have to consolidate those types of loans separately. The U. S. Department of Education (USDOE) has established a well-documented system of rules for federal student loan consolidation, and each private lender has its own guidelines for acceptable consolidation plans.

    To guide you in making a decision about student loan consolidation, you can try a simple online assistant introduced by USDOE in the middle of 2012 to help students understand the basic principles of personal finance and apply that knowledge to their management of their student loans. The assistant is called the Financial Awareness Counseling Tool (FACT), and it consists of a series of tutorials based on information from your own government loans, using that information to create a personalized analysis of your financial situation and offer appropriate advice.

    You ll have an opportunity to add financial details from other sources to the data used by FACT.

    Federal Student Loan Consolidation

    The Pay As You Earn Plan: A Possible Alternative

    The government has a strong interest in making it possible for students to pay off their educational loans, and at the end of 2012 it instituted a new form of the income-based repayment plan called Pay As You Earn (PAYE). PAYE is designed to lower your monthly student loan payments, and thus you must have a partial financial hardship to qualify for the plan. The government defines the needed partial financial hardship as the condition existing when the monthly payment amount you would be paying under the Standard Repayment Plan exceeds the amount you would pay every month under PAYE.

    That is a circular definition, but nevertheless a clear one after the two amounts are calculated and compared. Federal loans that are eligible for inclusion in the PAYE calculation are any Direct loans plus certain types of Federal Family Education Loan (FFEL or Stafford) loans, although no Stafford loans can be repaid using PAYE. There are other requirements discussed on the linked page (you must qualify as a new borrower beginning in 2007, not all Direct loans can be repaid under PAYE), but there is one outstanding benefit: if you do succeed in meeting the criteria, you will keep your eligibility even if your financial circumstances improve, eliminating your hardship.

    How Federal Student Loan Consolidation Works

    If even the PAYE plan will not address your financial difficulties, then you should look into student loan consolidation. The federal government has set up a website to organize its Direct Loans consolidation information in one place. Here is an outline of the eligibility requirements for a Direct Consolidation Loan:

    • You must have one Direct Loan or Federal Family Education Loan, at minimum, falling into one of these four status categories: grace, repayment, deferment, or default.
    • You can sometimes consolidate loans in default if you have either arranged an adequate repayment schedule for each or intend to repay your Direct Consolidation Loan by way of Income Contingent Repayment or Income-Based Repayment (definitions listed here ).
    • While you re usually expected to use an FFEL consolidation loan if you have only FFEL loans, there are a few special circumstances under which you can substitute a Direct Consolidation Loan. You must have failed to secure an FFEL consolidation loan, secured one that does not offer a repayment plan tailored to your income, or have plans to submit your debt to the Public Service Loan Forgiveness Program.

    Once the question of your eligibility has been settled, you can apply for a Direct Consolidation Loan in one of three ways: online, using a paper copy of the application form, or if you have only Direct loans the third option is by phone.

    Helpful Resources

    One Private Lender s Rules: Wells Fargo

    If you d like to see a standard example of how a private lender handles student loan consolidation, you can visit Wells Fargo s page. You can choose a fixed or variable rate, unlike federal consolidation (which is fixed rate only), and your repayment schedule begins immediately. There are two discounts for which you may qualify, one for authorizing automatic payment from a checking or savings account and another for existing Wells Fargo customers (called the relationship discount).

    Amount totals eligible for consolidation with Wells Fargo range from $5,000 to $100,000.

    Other Places to Find Information About Consolidation



    Central Finance for financial advice and personal assistance all over New Zealand, from Cape Reinga to the Bluff and everywhere in between. #guaranteed #auto #loans


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    Loan sharks – Citizens Advice #hard #money #loan


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    Loan sharks

    Table of contents

    About loan sharks

    Reporting a problem to Trading Standards

    Trading Standards deal with complex consumer problems and potential criminal activities.

    If you want to report a problem to Trading Standards, you should contact the Citizens Advice consumer service. who share information reported to them with Trading Standards.

    This information tells you about illegal lending and what to do if you have borrowed from a loan shark.

    What is a loan shark

    To lend money lawfully you have to be authorised by the Financial Conduct Authority (FCA). People who lend money without being FCA authorised are breaking the law. They are known as loan sharks .

    Loan sharks often work from home, charge very high rates of interest and don’t give you much paperwork to confirm the arrangements they have made with you.

    Loan sharks often take other illegal action to collect the money they have lent you, such as threatening violence or taking away your credit cards or valuables. In extreme cases, they have been known to force non-payers into prostitution and drug dealing.

    If a loan shark threatens you or acts in a violent way, contact the police straight away.

    Checking a lender is authorised

    If you borrow money from someone who isn’t FCA authorised, you haven’t broken the law, they have. You can find out whether a money lender is authorised by checking the register on the FCA website at www.fca.org.uk .

    What to do if you owe money to a loan shark

    If you think a money lender is operating without being FCA authorised, in England or in Scotland, you can speak in confidence to the Illegal Money Lending Hotline on 0300 555 2222. If you are phoning from Scotland your call will be diverted to the Scottish Illegal Money Lending Project. You can also call the Project direct on 0141 287 6655.

    In Wales, you can report concerns about a money lender to the Wales Illegal Money Lending Unit which operates a 24 hour confidential helpline on: 0300 123 33 11.

    In Northern Ireland you can contact the Trading Standards Consumerline, telephone 0300 123 6262.

    The advisers can give you advice about your situation. The information you provide helps them to take action to stop illegal money lending.

    You can find more information about loan sharks on the Directgov website at www.direct.gov.uk .

    If you are in debt or you are thinking about borrowing from a loan shark, get advice first, for example, at a Citizens Advice Bureau. To search for details of your nearest CAB, including those that can give advice by e-mail, click nearest CAB .

    Further help and information

    On Adviceguide

    For more information about different ways of borrowing money and getting credit including dealing with loan sharks, see Types of borrowing.

    You may also find the following Adviceguide information helpful:

    The Money Advice Service



    Government Grant Advice – UK Business Grants for Small Businesses #bad #credit #student #loans


    #business loans uk
    #

    Government grants

    How a small jewellery business secured a government grant

    Ben Lobel | 13 Jul 2015

    Chiara Stone, founder of jewellery company Hoobynoo World, talks about a cash injection she received from SUCCESS, a grant provider backed by the government s Regional Growth Fund.

    More from Government grants

    How to get grant support from the Technology Strategy Board

    Brian Taylor, CEO and inventor of fraud prevention service PixelPin, discusses how he got grant assistance from a government-affiliated advisory organisation.

    Most popular

    Creative minds driving SME innovation

    Small Business Offers

    Tell us about your idea for growing your business and you could win 150k. Submit your pitch .

    Get a business loan part-funded by the local Government

    The UK Government is lending 60m to businesses through Funding Circle, alongside thousands of people and other investors. Find out more or check if you qualify for a business loan in just 30 seconds.

    Apply for 1000 – 1,000,000. We ll qualify and connect you with the best funding for your business. Must be in business 4+ months and have min.revenues. Apply Now .



    FHA Loans Advice #refinancing #auto #loan


    #what is a fha loan
    #

    FHA Loans – Eligibility and limits

    FHA loan requirements, guidelines and FHA home loans information.

    FHA Loans Advice

    This government program can help home buyers with lower credit, higher debt and little money for a down payment qualify for an affordable mortgage. Here’s everything you need to know about them and lots of good advice on how to qualify for an FHA loan.

    November 12th 2015

    If you’re buying a home that needs some work here are two special types of home loans that allow you to finance the purchase and borrow the cash you need for renovations. And we’re not talking pocket change. We’re talking about tens of thousands of dollars for repairs and improvements.

    Low credit scores? Too much debt? With the government standing behind you, banks and mortgage companies can make loans they wouldn’t normally offer at competitive interest rates that could cut your monthly payments by hundreds of dollars.

    October 26th 2015

    The Federal Housing Administration has been systematically overcharging borrowers at the closing table when FHA loans are refinanced. Has this happened to you?



    Advice About Consolidating Your College Loans #title #loans


    #fed loan consolidation
    #

    Confused About Consolidation?

    Get the Facts Before You Decide

    The concept of student loan consolidation is simple: you apply for one large loan which will be used to pay off all your existing student loans. That single loan will be easier to manage, because you ll only make one monthly payment, and because it has a longer term than your old loans that payment will be smaller than the sum of your current payments. However, debt consolidation is sometimes a tradeoff, an exchange of easier payment terms for a more expensive loan, since you may pay more interest on the same sum over a longer period of time.

    The ideal consolidation loan would be one in which you took advantage of a financial trend to secure a lower interest rate, or were able to do so because of your excellent payment history, without extending the term of any existing loan. However, if your choice lies between consolidating existing loans while paying more interest over time and falling behind in your individual loan payments, you should take the consolidation loan.

    Should I Consolidate My Student Loans?

    As you see, deciding whether consolidation is the right course for you depends not only on your current situation but also on the terms of the new loan. If you have both federal and private student loans, you will have to consolidate those types of loans separately. The U. S. Department of Education (USDOE) has established a well-documented system of rules for federal student loan consolidation, and each private lender has its own guidelines for acceptable consolidation plans.

    To guide you in making a decision about student loan consolidation, you can try a simple online assistant introduced by USDOE in the middle of 2012 to help students understand the basic principles of personal finance and apply that knowledge to their management of their student loans. The assistant is called the Financial Awareness Counseling Tool (FACT), and it consists of a series of tutorials based on information from your own government loans, using that information to create a personalized analysis of your financial situation and offer appropriate advice.

    You ll have an opportunity to add financial details from other sources to the data used by FACT.

    Federal Student Loan Consolidation

    The Pay As You Earn Plan: A Possible Alternative

    The government has a strong interest in making it possible for students to pay off their educational loans, and at the end of 2012 it instituted a new form of the income-based repayment plan called Pay As You Earn (PAYE). PAYE is designed to lower your monthly student loan payments, and thus you must have a partial financial hardship to qualify for the plan. The government defines the needed partial financial hardship as the condition existing when the monthly payment amount you would be paying under the Standard Repayment Plan exceeds the amount you would pay every month under PAYE.

    That is a circular definition, but nevertheless a clear one after the two amounts are calculated and compared. Federal loans that are eligible for inclusion in the PAYE calculation are any Direct loans plus certain types of Federal Family Education Loan (FFEL or Stafford) loans, although no Stafford loans can be repaid using PAYE. There are other requirements discussed on the linked page (you must qualify as a new borrower beginning in 2007, not all Direct loans can be repaid under PAYE), but there is one outstanding benefit: if you do succeed in meeting the criteria, you will keep your eligibility even if your financial circumstances improve, eliminating your hardship.

    How Federal Student Loan Consolidation Works

    If even the PAYE plan will not address your financial difficulties, then you should look into student loan consolidation. The federal government has set up a website to organize its Direct Loans consolidation information in one place. Here is an outline of the eligibility requirements for a Direct Consolidation Loan:

    • You must have one Direct Loan or Federal Family Education Loan, at minimum, falling into one of these four status categories: grace, repayment, deferment, or default.
    • You can sometimes consolidate loans in default if you have either arranged an adequate repayment schedule for each or intend to repay your Direct Consolidation Loan by way of Income Contingent Repayment or Income-Based Repayment (definitions listed here ).
    • While you re usually expected to use an FFEL consolidation loan if you have only FFEL loans, there are a few special circumstances under which you can substitute a Direct Consolidation Loan. You must have failed to secure an FFEL consolidation loan, secured one that does not offer a repayment plan tailored to your income, or have plans to submit your debt to the Public Service Loan Forgiveness Program.

    Once the question of your eligibility has been settled, you can apply for a Direct Consolidation Loan in one of three ways: online, using a paper copy of the application form, or if you have only Direct loans the third option is by phone.

    Helpful Resources

    One Private Lender s Rules: Wells Fargo

    If you d like to see a standard example of how a private lender handles student loan consolidation, you can visit Wells Fargo s page. You can choose a fixed or variable rate, unlike federal consolidation (which is fixed rate only), and your repayment schedule begins immediately. There are two discounts for which you may qualify, one for authorizing automatic payment from a checking or savings account and another for existing Wells Fargo customers (called the relationship discount).

    Amount totals eligible for consolidation with Wells Fargo range from $5,000 to $100,000.

    Other Places to Find Information About Consolidation



    Loan sharks – Citizens Advice #cash #loans #for #unemployed


    #loan sharks
    #

    Loan sharks

    Table of contents

    About loan sharks

    Reporting a problem to Trading Standards

    Trading Standards deal with complex consumer problems and potential criminal activities.

    If you want to report a problem to Trading Standards, you should contact the Citizens Advice consumer service. who share information reported to them with Trading Standards.

    This information tells you about illegal lending and what to do if you have borrowed from a loan shark.

    What is a loan shark

    To lend money lawfully you have to be authorised by the Financial Conduct Authority (FCA). People who lend money without being FCA authorised are breaking the law. They are known as loan sharks .

    Loan sharks often work from home, charge very high rates of interest and don’t give you much paperwork to confirm the arrangements they have made with you.

    Loan sharks often take other illegal action to collect the money they have lent you, such as threatening violence or taking away your credit cards or valuables. In extreme cases, they have been known to force non-payers into prostitution and drug dealing.

    If a loan shark threatens you or acts in a violent way, contact the police straight away.

    Checking a lender is authorised

    If you borrow money from someone who isn’t FCA authorised, you haven’t broken the law, they have. You can find out whether a money lender is authorised by checking the register on the FCA website at www.fca.org.uk .

    What to do if you owe money to a loan shark

    If you think a money lender is operating without being FCA authorised, in England or in Scotland, you can speak in confidence to the Illegal Money Lending Hotline on 0300 555 2222. If you are phoning from Scotland your call will be diverted to the Scottish Illegal Money Lending Project. You can also call the Project direct on 0141 287 6655.

    In Wales, you can report concerns about a money lender to the Wales Illegal Money Lending Unit which operates a 24 hour confidential helpline on: 0300 123 33 11.

    In Northern Ireland you can contact the Trading Standards Consumerline, telephone 0300 123 6262.

    The advisers can give you advice about your situation. The information you provide helps them to take action to stop illegal money lending.

    You can find more information about loan sharks on the Directgov website at www.direct.gov.uk .

    If you are in debt or you are thinking about borrowing from a loan shark, get advice first, for example, at a Citizens Advice Bureau. To search for details of your nearest CAB, including those that can give advice by e-mail, click nearest CAB .

    Further help and information

    On Adviceguide

    For more information about different ways of borrowing money and getting credit including dealing with loan sharks, see Types of borrowing.

    You may also find the following Adviceguide information helpful:

    The Money Advice Service



    Logbook loans campaign – Citizens Advice #payday #loans #no #brokers


    #log book loans
    #

    Logbook loans campaign

    Citizens Advice campaign win on logbook loans

    Citizens Advice welcomes the Law Commission’s announcement to review the Bills of Sale Act which governs logbook loans. We have been campaigning since the beginning of 2014 to secure changes to the way logbook loans and lenders operate so that consumers are better protected.

    We would like to see changes to the law to include:

    • the introduction of the same rights and protections as hire purchase and conditional sale agreements
    • Better protection for third parties similar to those offered in hire purchase conditional sale agreements.

    Hire Purchase and conditional sale agreements offer a much higher standard of protection to consumers by:

    • requiring lenders to obtain a court order or the consumer’s informed consent before taking possession of goods subject to an agreements, and
    • granting innocent third party purchasers (buyers who have purchased a used car without knowing a previous owner has secured finance against it) ‘good title’. This means that anyone who buys a vehicle in good faith, without knowledge of a prior hire purchase or conditional sale agreement can keep their car if there are problems with the agreement.

    Citizens Advice will continue to pursue these changes to ensure consumers are better protected under the law.

    Logbook loans leave people ‘overloaded’ with debt

    Citizens Advice has released new evidence which reveals that people who take out logbook loans have twice as many debts as other borrowers. We are deeply concerned that irresponsible lending practices in this market are leaving consumers overloaded with debt.

    This finding is the result of analysis of more than 23,000 cases of significant debt problems handled by bureaux between April and September 2013. It found 127 cases which involved a logbook loan (also known as bills of sale). The findings show, on average:

    • logbook loan debts were worth more than double that of payday loan debts (£2,500 compared to £1,000)
    • people with logbook loans had a total of ten debts, including other forms of credit, that’s double the number of loans held by all debt clients (five)
    • 57 per cent of clients with logbook loans also had one or more other type of high cost credit
    • 37 per cent of clients with logbook loans also had one or more payday loan
    • the total amount of debt across all loans for people with logbook loans was £13,500.

    The new research also finds that 40 per cent of people who took out a logbook loan are in work, with 33 per cent unemployed and 27 per cent not working due to things like caring responsibilities or ill-health.

    Citizens Advice is concerned unscrupulous logbook lenders are handing out loans to people in desperate financial situations without carrying out any proper checks to establish it they can afford to pay back the loan. Evidence we released earlier this year found that there was a lack of proper checks to make sure the borrower could afford the repayments and some borrowers did not have the terms of the loans clearly explained.

    What are logbook loans?

    Logbook loans, or bill of sale lending, is a high cost form of credit.

    A consumer will offer an item of their personal property (usually a car) as security for a loan they have taken. Interest rates are routinely circa 400 per cent annual repayment rate (APR) which is high for a secured form of lending.

    Our evidence shows us there is a particular lack of consumer protection in logbook lending which is still governed by the Bills of Sale Acts dating from the Victorian period.

    Press coverage

    The Daily Mail, The Times, Metro and the Independent i have published stories on our logbook loans campaign following our Survey Monkey poll. Find out more about our campaign

    Our Chief Executive Gillian Guy appeared on ITV News on 17 April to draw attention to the problem of logbook loans and aggressive debt collection practices within the market. Citizens Advice has seen cases where sexual harassment and death threats have been used to intimidate consumers. Our new figures show the number of loans are rising sharply – a worrying 33 per cent since 2011. The Independent discussed logbook loans on 18 April.

    How do logbook loans work?

    Under logbook loans, ownership of the item of property (usually a car) put up as security for the loan moves from the consumer to the lender meaning a lender does not require a court order before they can repossess the car.

    Although the market in logbook lending is small, the level of consumer detriment in this market is high. Irresponsible lending and aggressive debt collection practices are common because there is no incentive for the lender to negotiate when the consumer gets into payment difficulties as they can seize the asset after issuing a default notice.

    Some people who have taken out a logbook loan sell the car on without informing the buyer of the loan secured against it. The buyer stands to lose both the car and the money they paid for it if the lender decides to take possession of the asset – which is within their power. In these cases innocent third party consumers who have bought the car in good faith have few rights and their only access to redress would be to sue the person from whom they bought the car.



    Home Loans – Articles – Advice #personal #cash #loans


    #home loan
    #

    Featured Article

    Home Foreclosures: The New American Lemon

    Although most commonly associated with automobiles, the term “lemon” comes from the beginning of the 20th century and indicates any item sold in substandard condition. Read more about Home Foreclosures: The New American “Lemon”

    IDEAS

    Why Financial Background Checks Are Important

    Good credit is one sign of a company’s financial health and stability. You can talk with subcontractors and suppliers regularly used by the. Learn more about Financial Background Checks

    KNOW-HOW

    What is the Real Cost of a Mortgage?

    The total cost of a mortgage is comprised of four main elements: Principal, Interest, Taxes, and Insurance (PITI). PITI is part of the formula that mortgage. Read more about Mortgage Costs

    Rating:

    TIPS & ADVICE

    Understanding Mortgage Programs

    Conventional loans are mortgage loans provided by lenders who are not government-sponsored (e.g. FHA, VA or RHS). There are many loan types to select from. Read on to learn more about Mortgage Programs



    Government Grant Advice – UK Business Grants for Small Businesses #calculate #car #loan


    #business loans uk
    #

    Government grants

    How a small jewellery business secured a government grant

    Ben Lobel | 13 Jul 2015

    Chiara Stone, founder of jewellery company Hoobynoo World, talks about a cash injection she received from SUCCESS, a grant provider backed by the government s Regional Growth Fund.

    More from Government grants

    How to get grant support from the Technology Strategy Board

    Brian Taylor, CEO and inventor of fraud prevention service PixelPin, discusses how he got grant assistance from a government-affiliated advisory organisation.

    Most popular

    Creative minds driving SME innovation

    Small Business Offers

    Tell us about your idea for growing your business and you could win 150k. Submit your pitch .

    Get a business loan part-funded by the local Government

    The UK Government is lending 60m to businesses through Funding Circle, alongside thousands of people and other investors. Find out more or check if you qualify for a business loan in just 30 seconds.

    Apply for 1000 – 1,000,000. We ll qualify and connect you with the best funding for your business. Must be in business 4+ months and have min.revenues. Apply Now .



    Loan sharks – Citizens Advice #sba #loan #rates


    #loan sharks
    #

    Loan sharks

    Table of contents

    About loan sharks

    Reporting a problem to Trading Standards

    Trading Standards deal with complex consumer problems and potential criminal activities.

    If you want to report a problem to Trading Standards, you should contact the Citizens Advice consumer service. who share information reported to them with Trading Standards.

    This information tells you about illegal lending and what to do if you have borrowed from a loan shark.

    What is a loan shark

    To lend money lawfully you have to be authorised by the Financial Conduct Authority (FCA). People who lend money without being FCA authorised are breaking the law. They are known as loan sharks .

    Loan sharks often work from home, charge very high rates of interest and don’t give you much paperwork to confirm the arrangements they have made with you.

    Loan sharks often take other illegal action to collect the money they have lent you, such as threatening violence or taking away your credit cards or valuables. In extreme cases, they have been known to force non-payers into prostitution and drug dealing.

    If a loan shark threatens you or acts in a violent way, contact the police straight away.

    Checking a lender is authorised

    If you borrow money from someone who isn’t FCA authorised, you haven’t broken the law, they have. You can find out whether a money lender is authorised by checking the register on the FCA website at www.fca.org.uk .

    What to do if you owe money to a loan shark

    If you think a money lender is operating without being FCA authorised, in England or in Scotland, you can speak in confidence to the Illegal Money Lending Hotline on 0300 555 2222. If you are phoning from Scotland your call will be diverted to the Scottish Illegal Money Lending Project. You can also call the Project direct on 0141 287 6655.

    In Wales, you can report concerns about a money lender to the Wales Illegal Money Lending Unit which operates a 24 hour confidential helpline on: 0300 123 33 11.

    In Northern Ireland you can contact the Trading Standards Consumerline, telephone 0300 123 6262.

    The advisers can give you advice about your situation. The information you provide helps them to take action to stop illegal money lending.

    You can find more information about loan sharks on the Directgov website at www.direct.gov.uk .

    If you are in debt or you are thinking about borrowing from a loan shark, get advice first, for example, at a Citizens Advice Bureau. To search for details of your nearest CAB, including those that can give advice by e-mail, click nearest CAB .

    Further help and information

    On Adviceguide

    For more information about different ways of borrowing money and getting credit including dealing with loan sharks, see Types of borrowing.

    You may also find the following Adviceguide information helpful:

    The Money Advice Service



    Need Advice About Your Student Loans? Your Loan Servicer Can Help! #bad #credit #loan #lenders


    #i need a loan
    #

    Need Advice About Your Student Loans? Your Loan Servicer Can Help!

    Let’s face it, repaying your student loans can be quite overwhelming, especially if you’re new at it. I may have spent my senior year of college interning at Federal Student Aid, but when my first student loan bill came in the mail, I’ll admit, I had no idea where to begin.

    One of my first questions was, “Who do I pay?” I knew I had only federal student loans, but I kept getting letters and e-mails from Sallie Mae.* Why was that? If you asked yourself a similar question, this may help.

    *Sallie Mae is my federal student loan servicer, but may not be yours. Here is a complete list of the federal student loan servicers.

    Why am I receiving federal student loan bills from a company rather than the U.S. Department of Education?

    Those bills you get in the mail are coming from one of the U.S. Department of Education’s federal student loan servicers. These loan servicers are companies that work on behalf of the Department of Education to help you understand your student loans and to facilitate payments.

    Note: Even though you make your monthly payments to your loan servicer, your loans are still federal student loans and are owned by the Department of Education.

    What can a loan servicer help me with?

    Loan servicers do more than just collect payments from you. Your loan servicer is there to ensure that you, as a federal student loan borrower, get the customer service and repayment support you need to successfully repay your student loan.

    Your loan servicer can help you:

    How do I find out how many loans I have and who my loan servicer is?

    To view information about all of the federal student loans you have received and to find contact information for your loan servicer, visit www.nslds.ed.gov and select “Financial Aid Review.” You will then be prompted to log in using your Federal Student Aid PIN. so make sure you have that handy.

    Note: If you have multiple federal student loans, you may have more than one loan servicer, so make sure you click through each loan individually for information specific to that loan.

    If you also have private student loans, I recommend getting a free copy of your credit report from www.annualcreditreport.com to identify them.

    Not sure what kind of loans you have? It’s best to look at nslds.ed.gov and get a free credit report too. Then you’ll know about all of your loans right away.

    Moral of the story . Your loan servicer is here to help.

    Trust me, as a recent college graduate, I know how difficult it can be to make these payments every month. Truthfully, I still get anxious every time that payment comes out of my bank account. But that’s all the more reason to stay in touch with your loan servicer. Whether you’re having trouble making your payments or you just want advice about which repayment option is best for you, they can help.

    Nicole Callahan is a new media analyst at the Department of Education’s office of Federal Student Aid.



    Refinance Advice #financial #aid #loans


    #home loan refinance
    #

    Refinance – Is it the right time?

    Home Loan refinance, refinancing advice, 2nd mortgage and refi information.

    Refinance Advice

    For most homeowners, the answer is “Yes.” By any historical measure, home loans remain incredibly cheap and it’s possible to land a new, cheaper mortgage even if you have below average credit and little equity in your home.

    November 16th 2015

    Paying extra on your mortgage can shave years off your home loan and save tens of thousands of dollars in interest charges. Here’s how to get all of the benefits of paying off your mortgage more quickly without wasting hundreds of dollars a year on an accelerated payment plan.

    November 4th 2015

    Paying down debt is always a good idea. It will reduce the amount you pay in interest and shorten the length of your loan. But it might not be the wisest use of your money until you’ve done these three things.

    This mortgage from AimLoan charges no points, reasonable fees and is available in 49 states. We’re constantly searching the country to find the best deals on fixed-rate, 15-year home loans, and this is one of the best we’ve found this fall.

    My husband and I weren’t planning to refinance our mortgage. But the savings I found were just too good to pass up.

    National Mortgage Alliance has one of spring’s best nationally available deals on a 15-year fixed-rate home loan. It’s charging well below the current average cost for these loans and this deal is available to borrowers nationwide.

    J.D. Power & Associates annual study is a great way to judge how friendly and efficient the borrowing process is at the nation’s largest mortgage lenders. Quicken Loans does well. Bank of America? Cover your eyes.

    By budgeting and doing some work on our own, we remodeled our bathroom for about $13,000 less than the average project costs. Here’s how.

    More people are renting and paying more for it, so if you own a rental property, this could be a good sign that you made the smart choice.

    It’s been a long path through a politically fraught minefield to get anyone in the director’s chair since the bureau was created by the Dodd-Frank Wall Street Reform and Consumer Protection Act.



    Logbook loans campaign – Citizens Advice #student #loan #options


    #log book loans
    #

    Logbook loans campaign

    Citizens Advice campaign win on logbook loans

    Citizens Advice welcomes the Law Commission’s announcement to review the Bills of Sale Act which governs logbook loans. We have been campaigning since the beginning of 2014 to secure changes to the way logbook loans and lenders operate so that consumers are better protected.

    We would like to see changes to the law to include:

    • the introduction of the same rights and protections as hire purchase and conditional sale agreements
    • Better protection for third parties similar to those offered in hire purchase conditional sale agreements.

    Hire Purchase and conditional sale agreements offer a much higher standard of protection to consumers by:

    • requiring lenders to obtain a court order or the consumer’s informed consent before taking possession of goods subject to an agreements, and
    • granting innocent third party purchasers (buyers who have purchased a used car without knowing a previous owner has secured finance against it) ‘good title’. This means that anyone who buys a vehicle in good faith, without knowledge of a prior hire purchase or conditional sale agreement can keep their car if there are problems with the agreement.

    Citizens Advice will continue to pursue these changes to ensure consumers are better protected under the law.

    Logbook loans leave people ‘overloaded’ with debt

    Citizens Advice has released new evidence which reveals that people who take out logbook loans have twice as many debts as other borrowers. We are deeply concerned that irresponsible lending practices in this market are leaving consumers overloaded with debt.

    This finding is the result of analysis of more than 23,000 cases of significant debt problems handled by bureaux between April and September 2013. It found 127 cases which involved a logbook loan (also known as bills of sale). The findings show, on average:

    • logbook loan debts were worth more than double that of payday loan debts (£2,500 compared to £1,000)
    • people with logbook loans had a total of ten debts, including other forms of credit, that’s double the number of loans held by all debt clients (five)
    • 57 per cent of clients with logbook loans also had one or more other type of high cost credit
    • 37 per cent of clients with logbook loans also had one or more payday loan
    • the total amount of debt across all loans for people with logbook loans was £13,500.

    The new research also finds that 40 per cent of people who took out a logbook loan are in work, with 33 per cent unemployed and 27 per cent not working due to things like caring responsibilities or ill-health.

    Citizens Advice is concerned unscrupulous logbook lenders are handing out loans to people in desperate financial situations without carrying out any proper checks to establish it they can afford to pay back the loan. Evidence we released earlier this year found that there was a lack of proper checks to make sure the borrower could afford the repayments and some borrowers did not have the terms of the loans clearly explained.

    What are logbook loans?

    Logbook loans, or bill of sale lending, is a high cost form of credit.

    A consumer will offer an item of their personal property (usually a car) as security for a loan they have taken. Interest rates are routinely circa 400 per cent annual repayment rate (APR) which is high for a secured form of lending.

    Our evidence shows us there is a particular lack of consumer protection in logbook lending which is still governed by the Bills of Sale Acts dating from the Victorian period.

    Press coverage

    The Daily Mail, The Times, Metro and the Independent i have published stories on our logbook loans campaign following our Survey Monkey poll. Find out more about our campaign

    Our Chief Executive Gillian Guy appeared on ITV News on 17 April to draw attention to the problem of logbook loans and aggressive debt collection practices within the market. Citizens Advice has seen cases where sexual harassment and death threats have been used to intimidate consumers. Our new figures show the number of loans are rising sharply – a worrying 33 per cent since 2011. The Independent discussed logbook loans on 18 April.

    How do logbook loans work?

    Under logbook loans, ownership of the item of property (usually a car) put up as security for the loan moves from the consumer to the lender meaning a lender does not require a court order before they can repossess the car.

    Although the market in logbook lending is small, the level of consumer detriment in this market is high. Irresponsible lending and aggressive debt collection practices are common because there is no incentive for the lender to negotiate when the consumer gets into payment difficulties as they can seize the asset after issuing a default notice.

    Some people who have taken out a logbook loan sell the car on without informing the buyer of the loan secured against it. The buyer stands to lose both the car and the money they paid for it if the lender decides to take possession of the asset – which is within their power. In these cases innocent third party consumers who have bought the car in good faith have few rights and their only access to redress would be to sue the person from whom they bought the car.



    How to Refinance a Home Loan – Mortgage Advice #fast #loans


    #home loan refinance
    #

    How to Refinance a Home Loan

    I knew a lawyer who refinanced his home seven times in the past eight years. This was a person who should have been smarter than that because every time he refinanced, he added more principal to the end of his loan and extended the term of his loan.

    What is a Refinance?

    A purchase-money loan is an original loan secured by a borrower to buy a home. A refinance loan is a new loan taken out by a borrower to pay off the original loan or, in the case of a serial refinancer, the loan pays off the last refinanced loan.

    Types of Refinance Mortgage Loans

    Just because you may presently be paying on a fixed-rate mortgage. doesn t mean that you can t take out a different type of mortgage loan when you refinance. However, before you consider switching out a fixed-rate mortgage for another type, make sure you completely understand the terms of the new loan. Here are common mortgage loan types you may want to consider:

    Continue Reading Below

    Refinance Mortgage Loan Costs

    Although it is possible to obtain a no-cost refinance loan from a mortgage lender. remember that lenders are in the business of making money. If the lender is not making income by charging upfront costs to make the loan, those fees are either rolled into the loan or paid through a higher-than-market interest rate.

    There are a few banks turning to true no-cost loans, but those are few and far between. Read your fine print and compare lenders. Get a GFE, a Good Faith Estimate. Since January 1, 2010, lenders have been required to guarantee their Good Faith Estimates. If certain rates change at closing, the lender is required to pay them.

    Here are costs you may be required to pay:

    Lender charge what we in the business nickname garbage fees, which means they can be negotiated by the borrower. Those fees are document preparation, administration, processing, application and the like. If you ask, the lender might waive them.

    On top of these fees, you may notice an item marked paid outside of closing on your closing statement called a YSP. That is money the bank gives back to the mortgage broker for bringing the lender your loan. Bear in mind that if the lender did not pay a YSP to the broker, you might have received a lower interest rate on your loan or paid less in points. By the time you discover this, you are probably closing the loan. So, ask upfront.

    Drawbacks to Refinances

    • Costs. If you are paying fees to obtain the loan, it is costing you money to get the loan, which you might not recoup through a lower interest rate for a number of years. To figure this out, add up all the fees. Figure out the difference between your old mortgage payment and your new payment. Divide that difference into the loan fees, which will equal the number of months you must pay on your new loan to break even.

    If your loan fees are $4,000, for example, and the monthly savings will be $100 a month, it will take you 40 months to break even on the refinance.

  • Longer amortization period . Although you have the option of shortening your amortization period, you might not qualify for the higher payment nor may you want to pay more each month just to pay off the loan faster. Borrowers generally extend the term of the loan. If you refinance a loan with 25 years remaining for a new 30-year loan, you have turned what was originally a 30-year loan into a 35-year loan.
  • Bigger mortgage. By rolling the costs of your loan into the loan itself, you are taking out a bigger mortgage. A bigger mortgage eats away at your equity position. Moreover, if you take out cash, called a cash-out refinance, your loan balance will be increased.

    Some borrowers take out cash from a refinance to pay off bills incurred by unsecured purchases. If you bought furniture, for example, and you pay off the furniture store, you have now financed furniture for 30 years, which may have a useful life of ten.

    Paying off unsecured credit cards eliminates present debt but only if you never use the cards again. Consider cutting up your cards if you ve managed to get yourself so far into debt that your only recourse is to refinance the roof over your head.

    Refinance Benefits

    • Lower monthly payment If you plan to stay in the home long enough to break even on the refinance costs, a lower interest rate and payment will result in greater monthly cash flow.
    • Shortening the amortization period. If your lower interest is substantially lower than your previous rate, you might want to consider shortening the term of your loan in exchange for a slightly higher mortgage payment. Before you do this, figure out if you could invest that extra principal portion elsewhere for a better rate of return.
    • Cash in hand. Many obtain cash to invest at a higher rate of return than the new interest rate.

    At the time of writing, Elizabeth Weintraub, DRE # 00697006, is a Broker-Associate at Lyon Real Estate in Sacramento, California.



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