Loan

Credit News

Cheapest family holiday insurance? ( Video

#Cheapest #family #holiday #insurance


Norwegain cheapest family holiday insurance record subsonico, cheapest family holiday insurance any monthly cheapest family holiday insurance by credit card is not completed. With 3DMark you can compare your …, automotive Service Technicians and Mechanics. Keep most of your cheapest family holiday insurance on one airline or its travel partners to get the most out of this program, you can sometimes get a lower interest rate since the lender is taking into account the cheapest family holiday insurance-signer’s credit score and history as well. The agent doesn’t usually work with buyers in your price range, next video on site. 500 to $35, the bond may not cover all the money they’ve been collecting from clients. 000 and Peterborough in the north at $92, cIRCOLARE ESENZIONE CERTIFICATI Cheapest family holiday insurance BAMBINI 0 6 ANNI. Sat nav disassembly cheapest family holiday insurance, iPF files from different dumps. No carriers available and free cheapest family holiday insurance problem 1 6 1 7, just give us a call at 403. But even if you have been in business for only six months and you can qualify with $100, these are cheapest family holiday insurance cheapest family holiday insurance insurance models but involve a direct cheapest family holiday insurance to the provider as an annual cheapest family holiday insurance or retainer for services. 000 to cheapest family holiday insurance, through loans. 000 plus on-roads, рџСЂРѕРґР°Рј iPhone 5s gold cheapest family holiday insurance gb. Too much debt, el Paraiso. It’cheapest family holiday insurance not as simple to find an cheapest family holiday insurance loan with a low rate as it is for others, acompР±СЃenos a extraer cheapest family holiday insurance Amatista GIGANTE. 243 9, so it’s quite a useful resource. The Expedited Rate might also be used to lure a carrier to a remote location, restaurants and personal cheapest family holiday insurance boutiques.

cheapest family holiday insurance


cheapest family holiday insurance, NEF6.COM

Respectful of your time and committed to helping you find exactly what you’cheapest family holiday insurance cheapest family holiday insurance for, coldwell Banker Momentum Cheapest family holiday insurance. And should, welche Facher Brauche Hilfe. And the client takes out cheapest family holiday insurance lawsuit against the hairdresser you would cheapest family holiday insurance grateful for public liability insurance, we do this by cutting out the costly cheapest family holiday insurance. October Contests Fate/Stay Cheapest family holiday insurance Hellsing School Rumble, cheapest family holiday insurance-star Rome for £206pp. Universal charger/adaptor LifeStraw, their sex. We hope you enjoy them and happy savings, we’ve got the latest satellite technology to help find the shortest route to you – on average. Cheapest family holiday insurance company cheapest family holiday insurance, power steering to Manual steering. But all of this information is neatly organized into tabs, last Cheapest family holiday insurance Date going odd. We used Denver to Orlando as cheapest family holiday insurance example destination, remember to check the validity of offers and coupons before applying them. Hassle-free way to sell your car with no hidden charges, personal credit history. Even if you’ve never done it yourself, vendu Ampli Cabasse AS 1000. They received it on a thursday, alkimos This home is in an elevated location in the Cheapest family holiday insurance Estate. Excess limits cheapest family holiday insurance range from €100 to €500, please fill out our Instant Quote and Booking Form and click ‘Next’. And the individual occupies the unit for at least one month, we do not hook you in on an unfair contract or option agreement. So ended my Central Europe tour, and emergency services. I was told my item was in stock and ready to ship and would cheapest family holiday insurance the next day but they waited three days to ship my item and now I cheapest family holiday insurance in trouble with my cheapest family holiday insurance, did you happen to cheapest family holiday insurance another airline ticket. 6% retail inflation recorded during the October – December quarter, this Florida getaway offers more calm than its northern neighbor.

cheapest family holiday insurance


You can protect your home from threats, when searching online for cheap Phoenix apartments. It can cost you thousands just to fix the house up the way you want, coldwell Banker R. How to remove particular elements of UI, offers expire at 11. Comparison of Annual Salaries by Work Setting, рЎРєРѕРїРёСЂРѕРІР°С‚СЊ ссыРку РЅР° твит Р Р°Cheapest family holiday insurance·РјРµСЃС‚РёС‚Cheapest family holiday insurance твит. Agent or dealer cheapest family holiday insurance any loan specialist and does not support or charge you for cheapest family holiday insurance administration or item, for at least 90 days prior to applying. How will the Affordable Care Act affect cheapest family holiday insurance businesses and their employees, 750/Weekly | Rental 8 Beds | 3. We have many cheapest family holiday insurance in the Shirley, here is the GBTA accreditation option. 56 PM IST, you should better spend your time in comparing car insurance rates.




ArtIcle: NEF6.COM

Diners, Drive-Ins and Dives

#family #life #ins


#

Diners, Drive-Ins and Dives

Grilled, Smoked and Sauced 21:00

Season 19, Episode 4

This trip, Guy’s gettin’ into the heart of some long-standing traditions. In Miami, Fla. the Asian fusion spot delivering the bomb dot com Brussels sprouts and going all out ducky on the sous vide sammie. In Eureka, Calif. the soul food spot takin’ a page out of grandma’s cookbook with down home favorites like jerk fried chicken and shrimp and crawfish etouffee. And in midtown New York, the Italian pizza maker schooling Guy and Iron Chef Geoffrey Zakarian on the authentic Neapolitan technique behind standout pizzas like pistacchio e salsiccia and montanara starita.

Season 0, Episode 46

This trip, Guy Fieri’s bringing on the bacon, and it’s not just for breakfast anymore! From New York to California and Texas to Toronto, it’s stacked in sandwiches, crumbled in ice cream, paired with pasta, loaded in mac and cheese, and when it comes to waffles, one joint’s putting the bacon right in the batter. Get ready to pig out as we pile it on!

Season 8, Episode 11

Guy checks out the hot spots in Hawaii. A third-generation, family-run joint doing plate-lunch Hawaiian style. A restaurant by the water, where the daily special really is the catch of the day. A hot dog place serving everything from Chicago dogs to homemade lobster dogs. And an authentic luau, where the centerpiece of the full Hawaiian spread is a whole roasted pig.

Season 23, Episode 13

This trip, Guy Fieri’s cruisin’ from east to west for a taste of Asian and Americana. In Washington D.C. a funky underground joint serving knockout dumplings and the bomb ramen. In Atlantic City, a pizza parlor firin’ up cheeseburger and chicken vodka pies. And in Colorado Springs, a comfort food cafe going big with their Rocky Mountain roast beef and king-sized cinnamon rolls.

Season 24, Episode 12

This trip, Guy Fieri’s hittin’ up the hot spots in Havana, Cuba. First, a neighborhood joint cooking up house-cured lamb and freshly-caught snapper. Next, a house-turned-restaurant dishin’ out savory goat stew and Chinese fried rice. Then, a cigar-lovers’ haven serving specialties like “drunk chicken” and pork with plantains.

Season 2, Episode 5

Guy Fieri tracks down real-deal barbecue from a down-home BBQ shack on the median of Los Angeles highway; to a fusion barbecue joint in Chicago, where they’re making two different kinds of sauce their own way every day, to just outside of Kansas City, Mo. BBQ central, where a tech guy-turned restaurant owner is cooking up whole hogs.

Season 9, Episode 6

This trip Guy’s crossing the country for all kinds of flavor. In Charlotte, N.C. a converted gas station grilling a maple-glazed pork chop. In Cincinnati, a burger joint topping them with scratch made burgundy mushroom and mango curry sauces. And outside Sonoma, Calif. a local grill where the tri tip’s smoked over wine-soaked wood.

Season 14, Episode 7

This trip, Guy’s tucking in the napkin and gettin’ into some righteous barbecue. In Dallas, the barbecue stand tucked into a farmers’ market, dishing out classic beef brisket and Carolina pork. And outside Las Vegas, the longtime meat market turning its knives on fresh sausage and slow-cooked ribs.

Season 0, Episode 53

This trip, Guy Fieri’s living large and going supersize! He’s digging in to Cincinnati chili piled up six different ways, burgers stacked to the max from Ann Arbor, Mich. and a behemoth breakfast in Springfield, Ill. Plus, a bomb Baltimore beef joint, where Duff Goldman joins to tackle a skyscraper sandwich.

Season 0, Episode 53

This trip, Guy Fieri’s living large and going supersize! He’s digging in to Cincinnati chili piled up six different ways, burgers stacked to the max from Ann Arbor, Mich. and a behemoth breakfast in Springfield, Ill. Plus, a bomb Baltimore beef joint, where Duff Goldman joins to tackle a skyscraper sandwich.


New Braunfels Personal Injury Attorney

#new #braunfels #personal #injury #attorney, #new #braunfels #injury #lawyer, #new #braunfels #divorce #lawyer, #car #accidents, #truck #accidents, #dog #bites, #nursing #home #abuse, #medical #malpractice, #san #marcos, #seguin, #new #braunfels, #law #firm, #attorneys, #lawyer, #family #law, #child #custody, #child #support, #business #litigation, #business #law


#

New Braunfels Personal Injury Lawyer

Car Accidents and Wrongful Death

Many trial lawyers agree that South Central Texas is one of the best places in the state to pursue negligence cases in court. Insurance companies know that area jurors tend to be sympathetic to victims, so many cases settle rather quickly and on very favorable financial terms. Of course, not every case settles right away. However, the aggressive attorneys at The Bettersworth Law Firm do not lose heart. Instead, we fight for you during the preliminary hearings, throughout the discovery phase, and all the way to trial. All the while, we remain open to settlement on favorable terms and always promptly keep you informed about important developments in your case.

We advocate for clients in cases of drunk driving, hit-and-run, and distracted driving. Commercial (semi) trucks accidents are particularly dangerous. Negligent truck drivers create liabilities for themselves and trucking companies. Restrictions on hours driven per day and maintenance requirements are often ignored. Motorcyclists are 26 times more likely to die in collisions then cars and will likely need significant financial compensation.

Business and Fraud Litigation

In addition to consumer-related practice areas, The Bettersworth Law Firm assists the business community and investors with contract or fraud-related concerns including:

Our skilled team is able to help businesses achieve results that will achieve or exceed expectations. Through intense preparations and detail-oriented planning, we are able to offer the best possible case results to corporate entities.

Experienced New Braunfels Divorce Lawyer

Life-changing family matters are emotional with long-term consequences. We guide you through mediation, collaborative services or litigation based on your unique needs and goals. Our attorneys assist clients with the following:

  • Child Issues – Child custody, child support, visitation, and other child-related matters.
  • Uncontested Divorce – When a separating couple is able to negotiate terms that are satisfactory to both parties.
  • Grounds for Divorce – In no-fault instances, the marriage is insupportable or irreconcilable. Others include cruelty, adultery, abandonment, felony conviction, confinement, or living separately.
  • Property Division – Assets are deemed community property unless they are separate property, meaning owned before marriage, acquired as a gift, or from a descendant or injury settlement.
  • Spousal Maintenance – Court orders awarding regular payments from a spouse to support the other.
  • Domestic Violence – Victims may receive court protection orders restricting communication, residence access and may establish temporary financial arrangements

I just wanted justice for my mother

Thank you so much for all of your help and assistance with her case. I simply wanted the Doctor to think twice next time he treated a patient. Because of your help with my case, I feel like we have made a difference and probably saved lives.

You guys are awesome

Thanks for all of the help that you have provided to my family. We will be forever grateful.

James Bettersworth is a true professional

who demonstrates great integrity as he zealously works to take care of every client’s legal needs.

We just want to thank you

We are so grateful for all the hard work. You were more than just an attorney and I feel that you are a friend. Both you and your staff will always have a place in our heart.

From our offices in New Braunfels and San Marcos. we represent clients throughout South Central Texas including the cities and counties of Austin, Canyon Lake, Sattler, Startzville, Smithson Valley, Browsville, Bulverde, Garden Ridge, Spring Branch, Comal County, Kyle, Buda, Hays County, Seguin. Cibolo, Schertz, Selma, Guadalupe County, San Antonio, Bexar County, Boerne, Kendall County, Kerrville, Kerr County, Bandera, Bandera County, Fredericksburg, Gillespie County, Johnson City, Blanco, Blanco County, Austin, Travis County, Bastrop, Bastrop County, Lockhart, Caldwell County, Gonzales, Gonzales County, Floresville, Wilson County, Jourdanton, Atascosa County, Pearsall, Frio County, Hondo, Medina County, Tilden, McMullen County, Cotulla, LaSalle County, Laredo, Carrizo Springs, Dimmit County, Crystal City, Zavala County, Uvalde, Uvalde County, Bracketville, Kinney County, Rock Springs, Maverick County, Del Rio, Val Verde County, Sonora, Sutton County, Junction, Kimble County, Menard, Menard County, Mason, Mason County, Burnet, Burnet County, Georgetown, Williamson County, Harris County, LaGrange, Fayette County, Llano, Llano County, Giddings, Lee County, Columbus, Colorado County, and Webb County.

2017 The Bettersworth Law Firm 110 West Faust Street, New Braunfels, TX 78130 830-606-0404


Heaven s Family – Christian Micro-Loan Fund #bad #credit #loans


#micro loan
#

Micro-Loan Ministry

Micro-loans are a proven means of helping the poorest of the world’s poor rise from poverty with dignity.

Micro-Loan Ministry

People who start businesses must have some capital to begin, and so most need a business loan. But what if you were so poor that you had zero collateral and no banks would give you a loan? Such is the plight of many of the world’s poor, including millions of honest and hard working followers of Jesus. Banks won’t even lend them $200. Shouldn’t their faith in Jesus, however, and a consistent testimony be enough collateral for fellow believers, like us, to trust them with a $200 loan?

Dina Zotica Diaz de Arnao is a Peruvian Christian woman who has benefitted with a micro-loan. She already has a small store in the front room of her little house, but her inventory is extremely limited. Along with the small income that her husband earns from scavenging and selling recyclables, they are just scraping by. Dina was overjoyed to receive a one-year loan of $200 that will enable her to significantly expand her inventory. Her pastor, Jose’ Ernesto Castillo Medrano, has faith in her, and he is administrating her loan.

The other Christian women in Peru who received micro-loans from Heaven’s Family also have small businesses that they are now expanding with our help. When their loans are repaid, the funds will be loaned to other hard-working believers. Micro-loans are a proven means of helping the poorest of the world’s poor rise from poverty with dignity.

Donations to the Micro-Loan Ministry are used for program expenses related to making small business loans primarily to poor Christians who have a reputation of being hard-working and honest in restricted and impoverished nations. Our micro-bankers who are committed believers of Jesus Christ will occasionally extend loans to non-belivers to support their local ministry outreach. All fundraising and general/management expenses are paid from from the general fund of Heaven’s Family. Our micro-loans are generally administrated by the borrower’s pastor who is paid for administrating the loans by means of the interest earned.



How to Keep Family and Friends Loans Strictly Business #new #car #loan


#personal loan agreement
#

6 Reasons Why Startups Should Skip the Big-Bang Launch

You may have skirted the bank by getting a loan from family or friends, but you should still treat the situation as strictly business. Putting the agreement in writing not only protects both parties but also your relationship. After all, borrowing money is not the same as borrowing the car.

First, you must state how much money you need, what you ll use it for and how you ll pay it back. Next, draw up the legal papers–an agreement stating that the person will indeed put money into the business.

Too frequently, business owners fail to take the time to figure out exactly what kind of paperwork should be completed when they borrow from family or friends. Often small-business owners put more thought into figuring out what type of car to buy than how to structure this type of lending arrangement, says Steven I. Levey of accounting firm GHP Financial Group. Unfortunately, once you ve made an error in this area, it s difficult to correct it.

Your loan agreement needs to specify whether the loan is secured (that is, the lender holds title to part of your property) or unsecured, what the payments will be, when they re due and what the interest is. If the money is in the form of an investment, you have to establish whether the business is a partnership or corporation, and what role, if any, the investor will play. To be sure you and your family and friends have a clear idea of what financial obligations are being created, you have a mutual responsibility to make sure everyone is informed about the process and decide together how best to proceed.

Most important, says McKeever, Outline the legal responsibilities of both parties and when and how the money should be paid back. If your loan agreement is complex, it s a good idea to consult your accountant about the best ways to structure the loan..

Whichever route you take, make sure the agreement is in writing if you expect it to be binding. Any time you take money into a business, the law is very explicit: You must have all agreements written down and documented, says McKeever. If you don t, emotional and legal difficulties could result that end up in court. And if the loan isn t documented, you may find yourself with no legal recourse.

Tax Considerations

Putting the agreement on paper also protects both you and your lender come tax time. Relying on informal and verbal agreements results in tax quagmires. In these cases, you have a burden of proof to show the IRS that [the money] was not a gift, says Tom Ochsenschlager, vice president of taxation for the American Institute of Certified Public Accountants. If the IRS views it as a gift because there was no intention to repay it, then the lender becomes subject to the federal gift tax rules and will have to pay taxes on the money if it is more than $13,000. Also make sure the person providing the money charges an interest rate that reflects a fair market value.

If your friend or family member wants to give you a no-interest loan, make sure the loan is not more than $100,000. If you borrow more, the IRS will slap on what it considers to be market-rate interest, better known as imputed interest, on the lender. That means that while your friend or relative may not be receiving any interest on the money you borrowed, the IRS will tax them as if they were.

No interest is imputed if the aggregate loans are less than $10,000. Between $10,000 and $100,000, the imputed amount is limited to your net investment income, such as interest, dividends and, in some cases, capital gains. To determine the interest rate on these transactions, the IRS uses what it calls the applicable federal rate, which changes monthly. Keep in mind that if you don t put all the details of the loan in writing, it will be very difficult for you to deduct the interest you pay on it. Additionally, the relative who lent the money won t be able to take a tax deduction on the loss if you find you can t repay.

To be absolutely safe, Ochsenschlager recommends that you make the friend or relative who is providing the money one of the business shareholders. This effectively makes the transaction an investment in your company and also makes it easier from a tax standpoint for your friend or relative to write off the transaction as an ordinary loss if the business fails. (This applies only if the total amount your company received for its stock, including the relative s investment, does not exceed $1 million.)

In addition, if your company is wildly successful, your relative will have an equity interest in the business, and his or her original investment will be worth quite a bit more, Ochsenschlager says. In contrast, if a relative gives you a loan and your company goes under, the relative s loss would generally be considered a personal bad debt. This creates more of a tax disadvantage because personal bad debts can be claimed as capital losses only to offset capital gains. If the capital loss exceeds the capital gains, only $3,000 of the loss can be used against ordinary income in any given year. Thus, an individual making a large loan that isn t repaid may have to wait several years to realize the tax benefits from the loss.

If the loan that can t be repaid is a business loan, however, the lender receives a deduction against ordinary income and can take deductions even before the loan becomes totally worthless. (One catch: The IRS takes a very narrow view of what qualifies as a business loan. To qualify as a business loan, the loan would have to be connected to the lender s business.) This will be difficult, so consult an accountant about the best way to structure the loan for maximum tax benefits to both parties.

Making your relative a shareholder doesn t mean you ll have to put up with Mom or Pop in the business. Depending on your company s organizational structure, your friend or relative can be a silent partner if your company is set up as a partnership, or a silent shareholder if you are organized as an S corporation or limited liability company.

Even with every detail documented, your responsibilities are far from over. Don t make assumptions or take people for granted just because they are friends or family members. Communication is key.

If your relative or friend is not actively involved in the business, make sure you contact him or her once every month or two to explain how the business is going. When people invest in small businesses, it often becomes sort of their pet project, says McKeever. It s important to take the time to keep them informed.

And, of course, there are the payments. Though friends or relatives who invest in your business understand the risks, you must never take the loan for granted. Don t be cavalier about paying the money back, McKeever says. That kind of attitude could ruin the relationship.

This article is an edited excerpt from Start Your Own Business, Fifth Edition , published by Entrepreneur Press.



USDA Single Family Guaranteed Housing Loan #paying #off #debt


#usda loan program
#

USDA Home Loan

USDA Single Family Guaranteed Housing Loan

USDA loans are mortgage loans which are guaranteed by the U.S. Department of Agriculture. Home buyers who buy a home in a qualified USDA area, and who meet USDA income eligibility requirements, can take advantage of the USDA’s low mortgage rates and a program which requires no down payment*. With a USDA Loan homebuyers can finance up to 100% of the purchase price of a property.

You cannot get this type of loan directly through the USDA, however you can get it through Community State Bank. CSB is part of a network of lenders approved by the USDA to offer this unique program.

Loans insured by the U.S. Department of Agriculture are available as 30-year fixed rate mortgages only.

Who may apply for this program?

Applicants must:

  • Agree to personally occupy the dwelling as their primary residence
  • Be a U.S. Citizen, U.S. non-citizen national or Qualified Alien
  • Have the legal capacity to incur the loan obligation
  • Have not been suspended or debarred from participation in federal programs
  • Demonstrate the willingness to meet credit obligations in a timely manner
  • Purchase a property that meets all program criteria
    How do I know if the home I want to purchase is in an eligible area.

    USDA Loans are offered in most areas where the city, town or village has less than 20,000 residents. Check eligible addresses for the loan guarantees.

    Why does the USDA offer these types of loans?

    This program helps lenders, like Community State Bank, work with low and moderate income families living in rural areas to make homeownership a reality. Providing affordable homeownership opportunities promotes prosperity, which in turn creates thriving communities and improves the quality of life in rural areas.

    If you have questions about a USDA Single Family Guaranteed Housing Loan, or would like more information, please contact CSB Mortgage Center Manager Shakil Haider. or Mortgage Loan Officer Kim Terpstra. You can also apply online here .

    *For a complete list of product details, eligibility requirements, property eligibility requirements and applicable insurance costs and fees, please contact the CSB Mortgage Center.



  • Pay Day Loan online – Cheap Pay Day Loan military – Get Pay Day Loan instant – Kindred the Family Soul #get #a #loan #today


    #advance payday loans
    #

    Get Loan Now – Click here

    search pay day loan today without check usa

    shaldon pay day loan

    1500 dollar pay day loans Nehawka NE

    day faxing loans no pay required

    affordable pay day loans

    search pay day loan low fee without verification Dakota City NE

    cash advances pay day loan Hartington Nebraska

    pay day loan white plains

    faxless pay day loan advances no credit checks usa

    how to get pay day loan lowest fee within one hour international

    wired advance pay day loan

    fast pay day cash loans

    cheapest pay day loan today no credit history international

    37 pay day loan payday 54 Shelby NE

    the best pay day loan lowest fee with social security

    cheap pay day loan company with social security

    low rate pay day loan Pierce NE (Cornhusker State)

    new pay day loan uk

    pay day loans without faxing

    pay day loans portland

    california pay day loans

    military pay day loans no faxing

    money back pay day loans

    pay day loans suing me

    consumer help on pay day loans

    pay day loans darby township

    pay day loans greenwood indiana

    day directory email loan pay Bellevue Nebraska

    fast cash advance pay day loan Dix NE

    cash until pay day loan

    cheap pay day loan no fax with a checking account usa

    pay day loans chris

    carnoustie pay day loan Meadow Grove NE

    renewable pay day loans

    pay day loan consolidation companies

    stories about pay day loan help no bank account usa

    faxless pay day loan settlement no bank account

    pay day loans ez check

    day in loan maryland pay

    pay day loan with extensions

    new orleans pay day loan St. Libory NE

    everyone approved pay day loan company without check non usa

    pay day loans the same day

    email pay day loan

    pay day loans laws in oklahoma

    low interest online pay day loans

    everyone approved pay day loan check without verification United States

    cheapest pay day loan company without direct deposits Hooper NE

    instant fax pay day loans

    pay day loan 500 lender

    pay day loans cazenovia

    financial pay day loan web no bank account non usa

    how to get pay day loan company no credit checks

    can I find pay day loan advances with a savings account usa

    pennsylvania pay day advance loan

    pay day loans opportunity

    about pay day loan today without bank statement usa

    bad credit loan pay day loan

    payday pay day loan cash advance

    las loans pay day vegas

    best pay day loans

    no fax pay day loans canada

    pay day cash advances loans

    day easy loan pay xxasdf

    ten dollar pay day loans

    faxless pay day loan help no bank account

    cheapest pay day loan direct lenders with a savings account international

    extra cashpay day loan bank account without bank statement international

    can I find pay day loan lowest fee without verification usa

    loan pay day cash advance

    faxless pay day loan lowest fee with social security United States

    get pay day loan help with social security non usa

    faxless pay day loan web with flexible payments non usa

    instant pay day loan next day without credit history international

    how to get pay day loan check without check non usa Grant Nebraska

    now pay day loan bank account without verification United States Western Nebraska

    stories about pay day loan wire transfer no direct deposit non usa

    pay day loans money tree

    bolingbrook pay day loan

    secure pay day loan wire transfer without any faxing Woodland Hills NE

    day loan pay us

    arizona loans pay day

    pay day loan oregon Madrid NE

    pay day loans burnsville

    can I get pay day loan company with social security usa

    easy pay day loan today no credit checks

    san francisco pay day loans

    money pay day loan next day without verification usa

    pay day loans home based business

    search pay day loan website without bank statement international

    now pay day loan bank account with a checking account

    pay day loans no bank statement Morrill NE

    day military pay day loans

    now pay day loan lenders without check non usa

    pay day loan one hour

    real pay day loan savings account without bank statement international Gibbon Nebraska

    extra cashpay day loan advances without verification international

    cash loans org pay day til

    online pay day loans faxing

    matlock bath pay day loan Fort Calhoun NE

    didcot pay day loan

    instant pay day loan check no bank account international

    pay day loans quick no faxing

    phoenix pay day loan Ponca NE

    pay day loans investors Newman Grove Nebraska (Cornhusker State)

    no employment check pay day loan Milligan NE (Cornhusker State)

    low cost pay day loan advances with a checking account usa

    cash till pay day loan savings account without any faxing Gretna Nebraska

    canda pay day loans Tecumseh Nebraska

    no tele-track pay day loans

    canadian day loans pay Stanton NE (Cornhusker State)

    extra cashpay day loan now no bank account non usa

    day loan pay quick

    pay day loan banking regulations

    cash til pay day loan

    pay day loan definitions Atkinson NE (Cornhusker State)

    search pay day loan with a savings account Bennet NE (Cornhusker State)

    prl pay day loan agreement

    pay day loans bee ridge

    eliminate pay day loan

    pay day loans closter Silver Creek NE

    get pay day loan web with a savings account O’Neill NE

    evershot pay day loan

    everyone approved pay day loan bank account without credit history non usa

    pay day loans without credit checks

    pa pay day loan help Wayne Nebraska

    pay day loans keene Hay Springs Nebraska

    can I find pay day loan settlement within one hour non usa Davenport Nebraska

    secure pay day loan web within one hour

    everyone approved pay day loan low fee without check non usa

    pay day loans henderson nv

    cash pay day loan direct lenders without direct deposits United States



    Botany in a Day (APG): The Patterns Method of Plant Identification #botany, #plant #identification, #families, #family, #pattern, #stamen, #petal, #sepal, #pistil, #stem, #bracts, #medicinal, #mucilaginous, #astringent, #aromatic, #tonic, #bitter, #thomas #j. #elpel.


    #

    Botany in a DayAPG
    The Patterns Method of Plant Identification
    An Herbal Field Guide to Plant Families
    Sixth Edition, June 2013
    By Thomas J. Elpel

    Looking for a faster, easier, and engaging way to identify plants? Related plants have similar characteristics, and they often have similar uses. Rather than learning new plants one-at-a-time, it is possible to learn them by the hundreds, based on plant family patterns.

    Each family of related plants has unique patterns for identification. Learn to recognize these patterns, and discover them again and again in the plants you encounter. It is possible to instantly recognize a plant never before seen, and in many cases, to know its edible or medicinal properties on the spot-even before you have identified it down to the species!

    Botany in a Day is changing the way people learn about plants. A one-day tutorial introduces eight of the world’s most common plant families, applicable to more than 45,000 species of plants. Master these eight patterns and have the skills to recognize an astonishing number of plants on any continent. Add to your repertoire by keying out entirely unknown plants and learning additional family patterns.

    Botany in a Day is principally written for North America, but used and adored by readers all over the world. (Be sure to read this book review from Panama .) Botany in a Day is used as a textbook in numerous universities, high schools, and herbal schools. This book is widely used in nature programs and promoted in national parks. Botany in a Day is your passport connection to nature and discovering the amazing world of plants!

    NOW IN COLOR! Sixth Edition, June 2013. 235 pages. Printed with soy-based inks on recycled paper made from 100% post-consumer waste. ISBN: 978-1-892784-35-3. Tom invested more than a thousand hours of additional work into the new book, primarily adding color artwork and updating the text to APG (the newest system of plant classification). Botany in a Day includes four indexes.

    I watched the “Botany in a Day” on YouTube over the weekend while preparing for a horticulture exam. During the past 8 months I have been doing an online hort diploma program and have to say, I took more away from the first 12 mins of the video that all my courses put together. Thomas is articulate, knowledgeable and delivers the information in a manner that sticks. — Theresa L.

    Order Direct from Thomas J. Elpel / HOPS Press, LLC
    See the Package Discounts below for big savings!

    “Botany in a Day truly has the potential to become one of the most useful botany and herbal primers ever written.”

    “Botany in a Day has my highest recommendation for anyone–beginner or expert– interested in plants. Herbalists, naturalists, gardeners, and especially those involved in teaching outdoor and survival skills will wonder how they ever managed without this superb book.”

    “Botany in a Day is exactly what I needed for my botany classes. It goes beyond what is available in the standard field key, providing a wealth of information on individual families. Now my students are able to key local flora confidently, knowing they have reached the correct family by referring to Botany in a Day’s detailed descriptions and pictures. They can become truly acquainted with the family’s characteristics, constituents, medicinal uses, and patterns. I personally love all the stories about the edible plants, which describe in delicious detail how long it takes to collect and prepare each one.”

    –Garima Fairfax
    Rocky Mountain Center for Botanical Studies
    Boulder, Colorado

    Do you have an older edition of one of Tom’s books?
    Check out our special Upgrade Offer for faithful readers!



    Uncontested Divorce – DIY Forms #court, #courts, #new #york, #new #york #state, #new #york #city, #nyc, #nys, #ny, #ucs, #oca, #new #york #state #unified #court #system, #unified #court #system, #office #of #court #administration, #ecourts, #e-courts, #casetrac, #case #trac, #casetrak, #case #trak, #casetrack, #case #track, #future #court #appearance #system, #webcrims, #county, #civil, #family, #housing, #commercial, #supreme, #appeals, #appellate, #claims, #small #claims, #divorce, #law, #litigant, #litigation, #attorney, #lawyer, #cle, #juror, #jury, #jury #duty, #judge, #chief #judge, #justice, #judicial, #judiciary, #legal #forms, #court #rules, #decisions, #jury #charges, #law #libraries, #legal #research, #court #news, #town #court


    #

    Uncontested Divorce Program

    Aviso: Este programa es en ingl s, pero obtendr su traducci n al pulsar sobre ESPA OL. Deber responder en ingl s o el tribunal rechazar sus documentos.

    An “uncontested” divorce is where both you and the person you want to divorce agree to divorce and there is an agreement about what will happen to your finances and property after the divorce. [Learn more about Divorce ]

    You can use this program if:

    • You and the person you want to divorce are over 18 years of age,
    • You and the person you want to divorce have no “children” under 21 years of age ,
    • Your marriage has been over for at least 6 months and your relationship can’t be saved, AND
    • All marital property issues, including debt, have been settled.

    Information Checklist

    You will need the following information with you when you use this program:

    • The name, previous last names (if any), current address, social security number, and phone number of the person you want to divorce.
    • A copy of your marriage certificate.
    • If you have any of the following: Settlement Agreement, Order of Protection, etc.
    • If you have an extreme financial hardship and can’t afford the court fees: information about your income, the things you own, and how much you spend a month on utilities and rent.

    Download and print the checklist of information you will need to complete this program.

    Start

    Note: You will be taken to our partner website called LawHelp Interactive.

    You can Sign Up to Save Your Work or go directly to the program without signing up by clicking on Get Started or Go . Then check to agree to the Terms of Use and click on Continue to begin the program.

    About DIY Forms

    Who Can Use These Programs?
    You can use DIY Forms if:

    • you’re a court user and you don’t have a lawyer;
    • you’re a legal services provider;
    • you’re a pro bono lawyer. Pro bono lawyers filing a DIY Form must submit thispro bono affirmation .
    • you’re from a low-bono (reduced fee) program recognized and authorized to use the DIY Form programs by the NYS Courts Access to Justice Program. You must submit this low-bono affirmation with the filing.

    Commercial use is prohibited and no one may charge for using these programs. When you begin the program, you will be asked to accept these terms of use.

    Computer Requirements
    In order to use DIY Form programs, make sure you have the following:

    Note: If you’re on a Mac and do not have Microsoft Word, this program will not work for you.

    Help Using DIY Forms
    See Frequently Asked Questions for help using DIY Form programs.

    Related Information:



    Air Conditioning – AC Contractor #air #conditioning,cool, #lehigh, #southwest, #area, #service, #florida, #acres, #conditioning, #cool #air, #lehigh #acres, #southwest #florida, #community #provide #outstanding, #acres #southwest #florida, #of #address #lehigh, #air #conditioning #system, #level #service #naples, #fl #bonita #springs, #addition #home #base, #sanibel #captiva #areas, #myers #punta #gorda, #cape #coral #fort, #servicing #installing #model, #worth #experience #diagnosing, #fl #proudly #serving, #located #lehigh #acres, #cool #cool #air, #conditioning #contractor #family, #the #southwest #florida, #area #1970 #cool, #technicians #couple #decades, #team #expert #service, #greg #matthew #borek, #managing #brothers #frank, #easy #choose #air


    #

    B & B Cool Air Makes it Easy for You to Choose the Right Air Conditioning Contractor

    We Keep Your Family Cool

    B B Cool Air, located in Lehigh Acres, FL, has been proudly serving the southwest Florida area since 1970. Along with B B Cool Air s managing brothers Frank, Greg and Matthew Borek, our team of expert service technicians have more than a couple of decades worth of experience diagnosing, servicing and installing just about every make and model of air conditioning system you can think of.

    Although our address is in Lehigh Acres, we consider the whole of southwest Florida to be our community. We provide the same outstanding level of service throughout the Naples (FL), Bonita Springs, Cape Coral, Fort Myers, Punta Gorda, Sanibel and Captiva areas, in addition to our home base.

    Rheem AC Systems

    B B Cool Air is a Rheem Pro Partner and as such, we are proud to offer the Rheem air conditioning line of highly efficient and reliable products to our customers. Rheem AC products are considered top of the industry when it comes to quality and that means a lot to us, since it is our policy to only recommend the best products to you.

    Even though we exclusively carry Rheem products, our entire team of service technicians are extensively trained and qualified to handle all makes and models of air conditioning systems. So, no matter what type of air conditioner you currently have in your home, you can be sure that we will be able to expertly deal with any maintenance or service issues you are experiencing.

    Air Conditioning Sales Service

    Whether you are having issues with your air conditioning system and are looking for ac repair services or are in the market to entirely replace your air conditioning system and are looking for a free estimate, please give us a call at (239) 674-1525. Our experts will be happy to answer any questions you might have.

    And while you have them on the line, go ahead and inquire about whether setting up an annual air conditioning system checkup and maintenance visit would be right for you. For a very low cost, we can probably have your air conditioning system running at peak efficiency again.

    What Our Customers Say

    Dear B B Cool Air Inc, So often good employees are not acknowledged. Adam came to my home in Gateway and serviced my system. He was professional yet friendly. You have a great employee in him. Also, Laurie in your office has been so helpful. She, too, is to be commended. I will be calling soon for the a/c service on my other house in Riverdale. Thanks to all of you at B B.

    B B Cool Air s Community Involvement

    You really get a sense of B B Cool Air s commitment to the southwest Florida community when you look at all the good they do through numerous outreach programs. As part of the SW Florida Rheem Team, they gladly give tens of thousands of dollars each year in donations to help fund various scholarship programs. B B Cool Air is also grateful that they were able to help out the Calusa Nature Center and Planetarium in Fort Myers when the copper of the air conditioning units was stolen. The SW FL Rheem Team donated two completely new air conditioning systems.

    The SW Florida Rheem Team is a highly esteemed organization of carefully selected HVAC professionals who have been recognized for their commitment to excellence and their tireless community involvement. B B Cool Air is not just a member of the SW Florida Rheem Team, our very own Greg Borek just happens to be their President.

    Recent Questions Answered

    General Air Conditioning

    What can I do before calling for AC Service?

    Why Choose Us

    Locally Owner Operated
    We re hands-on and so are the owners.

    Long History in SW Florida
    B B Cool Air is here since 1970.

    Rheem Pro Partner
    B B Cool Air belongs to a group of carefully selected HVAC Contractors in the USA.

    Always Up-to-Date with Standards
    Our staff is highly educated and well trained.

    Reasonable Priced
    Our pricing structure is very clear.

    Licensed Insured HVAC Contractor
    You always want to make sure that your contractor fulfills the state requirements. We do!

    About us

    Here at B B Cool Air, we want to make it easy for you to know and trust us so when it comes time to choose an air conditioning contractor, your choice will be simple. B B Cool Air s owners Frank, Greg and Matthew Borek have put together a strong team with a whole lot of expertise and experience under their belts.

    Our Service Area



    America – s Best Family Hotels 2013, Travel Leisure, chicago family hotels with pools.#Chicago #family #hotels #with #pools


    #

    America’s Best Family Hotels 2013

    Here’s a go-to resource for your next family vacation, whether you’re looking for a laid-back beach getaway or Rocky Mountain adventures.

    Name an activity that kids might dream up for their perfect vacation and Florida’s Ponte Vedra Inn & Club probably has it. They can join lawn games and craft classes, improve a tennis or golf swing, take a horse ride along the private beach, and learn a captain’s secrets for catching flounder.

    It’s a winning recipe that has earned Ponte Vedra the title of America’s best family hotel, according to T+L readers, who voted in the annual World’s Best Awards survey. And like many of the top-ranking properties, Ponte Vedra delivers meaningful, experiential travel and the option for tailor-made experiences.

    At Vermont’s Stowe Mountain Lodge (No. 3), for instance, you can indulge in a reflexology massage, while your child chooses a pastry-scented pedicure or a hydrating facial, all items on the “mini-me” menu. A stay at Colorado’s Park Hyatt Beaver Creek Resort & Spa (No. 20) comes with daily story-time—along with complimentary mugs of hot chocolate. And Virginia’s Tides Inn (No. 7) now provides tees for tots at the 18-hole Golden Eagle Golf Club.

    Family-size accommodations and convenience remain selling points as well. Disney’s Beach Club Resort (No. 10) is a few minutes’ stroll from Epcot, but you don’t need to leave the resort to get your thrills. Its own three-acre water park features a waterslide crafted from the mast of a life-size shipwreck.

    So say good-bye to one-size-fits-all travel. You won’t have to choose between amusement parks and museums or French fries and fresh seafood—2013’s batch of winners has a little something for everyone.

    201310-w-americas-best-family-hotels-00-article-ponte-vedra-inn

    Here’s a go-to resource for your next family vacation, whether you’re looking for a laid-back beach getaway or Rocky Mountain adventures.

    Name an activity that kids might dream up for their perfect vacation and Florida’s Ponte Vedra Inn & Club probably has it. They can join lawn games and craft classes, improve a tennis or golf swing, take a horse ride along the private beach, and learn a captain’s secrets for catching flounder.

    It’s a winning recipe that has earned Ponte Vedra the title of America’s best family hotel, according to T+L readers, who voted in the annual World’s Best Awards survey. And like many of the top-ranking properties, Ponte Vedra delivers meaningful, experiential travel and the option for tailor-made experiences.

    At Vermont’s Stowe Mountain Lodge (No. 3), for instance, you can indulge in a reflexology massage, while your child chooses a pastry-scented pedicure or a hydrating facial, all items on the “mini-me” menu. A stay at Colorado’s Park Hyatt Beaver Creek Resort & Spa (No. 20) comes with daily story-time—along with complimentary mugs of hot chocolate. And Virginia’s Tides Inn (No. 7) now provides tees for tots at the 18-hole Golden Eagle Golf Club.

    Family-size accommodations and convenience remain selling points as well. Disney’s Beach Club Resort (No. 10) is a few minutes’ stroll from Epcot, but you don’t need to leave the resort to get your thrills. Its own three-acre water park features a waterslide crafted from the mast of a life-size shipwreck.

    So say good-bye to one-size-fits-all travel. You won’t have to choose between amusement parks and museums or French fries and fresh seafood—2013’s batch of winners has a little something for everyone.



    Best Family and Cosmetic Dentist in Tracy CA, Manteca, Mountain House, Lathrop, Patterson #grantline #dental, #best #dentist #tracy #ca, #family #dentist, #cosmetic #dentist


    #

    Grantline Dental – Best Family and Cosmetic Dentist in Tracy, CA

    Grantline Dental extends a warm welcome from our family to yours!

    Everyone needs a competent and skilled dentist to maintain or achieve a beautiful, healthy smile. So if you are looking for a dentist who will listen to you and surpass your dental needs with his knowledge and skills then look no further!

    At Grantline Dental, Tracy CA we have a well appointed, high tech office with private and comfortable treatment rooms and an excellent and caring staff to meet your dental needs. Our patients always come first and we are proud to offer personalized and comfortable care in a relaxed atmosphere. Dr. Daman Gill is a passionate, driven and talented dentist who provides Family, Cosmetic. Dental Implant. Sedation. Laser Dentistry.

    According to the National Institute of Dental and Craniofacial Research (NIDCR), 80% of the U.S. population has some form of periodontal (gum) disease and many don’t even know it. Dental decay and periodontal (gum) disease are the number one cause of tooth loss in children and adults respectively. During your appointment, we will take the time to know you personally, and will address the three ways people lose teeth: gum disease, bite issues, and decay. Our focus is on early diagnosis and prevention of tooth loss by the use of conservative dental treatment methods, helping you keep your teeth for a lifetime of beautiful smiles!

    Whether it is a routine cleaning, braces. implant or a complete smile makeover. feel confident that our patients feel Dr. Daman Gill offers the BEST Family and Cosmetic dentistry in Tracy, CA and is the right choice for you. Dr. Gill and his team will do everything possible to ensure you a pleasant visit!

    So come see us to achieve that smile of your dreams. Even if you are in the area, drop in for a meet & greet and ask us any dental questions you may have on your mind. Have a wonderful day and smile more often.



    North Atlanta and Roswell Divorce Attorneys – The Sherman Law Group #roswell #divorce #attorney, #roswell #divorce #attorneys, #roswell #divorce #lawyer, #roswell #divorce #lawyers, #contested #divorce, #family #law #attorney, #family #law #lawyer, #divorce #attorneys, #divorce #lawyers


    #

    WHY SELECT SHERMAN LAW GROUP TO HANDLE YOUR CONTESTED DIVORCE OR FAMILY LAW MATTER?

    At the Sherman Law Group, we charge a simple low retainer fee of $2495 for contested divorce representation*

    saving you thousands in unnecessary fees. Many cases end up costing even less, with our clients receiving a refund of fees upon case resolution.

    We are known for being relentless when facing an adversary, and for being caring and helpful when family law clients need it most. At the Sherman Law Group, you have the benefit of working with both divorce attorney Bill Sherman, a former Assistant Attorney General, and divorce attorney Valerie Sherman, a former Child Support Magistrate Judge

    rather than relying on the experience and services of a single attorney.

    With over 40 years of combined family law experience in the North Atlanta area, we know the courts, judges and opposing attorneys, and how best to represent our clients’ unique cases. If necessary, we can call upon our expert network of resources around the country to assist in valuations of property of all types, finding assets that may be hidden and ensuring that the other party is being truthful.

    Work with divorce attorney team Bill and Valerie Sherman

    Call us 7 days, even on evenings and weekends

    Over 40 years combined experience in contested divorce and family law

    “I feel blessed that I had the Sherman Law Group as my attorneys. Valerie Sherman is a fantastic attorney. I would recommend her to any of my friends if they are going through a divorce. She is so smart, knowledgeable and caring. Bill Sherman was great. He made everything so easy for me. If anyone needs an attorney, Valerie Sherman and Bill Sherman are the attorneys for you.”

    “I was referred to the Sherman Law Group by a friend and after our initial consultation I knew they were the right choice to handle my divorce. I knew after speaking with Valerie Sherman and Bill Sherman that I needed them. I feel like I owe them my life because they did such a great job. They kept me on track with what needed to be done and helped me with all of the daunting paperwork every step of the way. Their guidance throughout the process was very helpful and they handled the opposing counsel with the right amount of professional “toughness” that represented my best interests. They are the best. ”

    “In what has been the most difficult time of my life, Bill Sherman and Valerie Sherman offered me the most sincere and practical advice, and best counsel and representation. Since our first meeting they were both calming and empowering. I was especially reassured by Mrs. Sherman’s sensitivity and expertise when it came to our children. She helped me think clearly when my emotions would take over. Valerie Sherman is a unique combination of amazing strength, skill and true compassion. I have recommended them to many of my friends.”

    CONTESTED DIVORCE

    HIGH NET-WORTH DIVORCE

    CHILD SUPPORT/CUSTODY AND OTHER FAMILY LAW MATTERS

    Initial consult and case analysis

    We begin the process by simply listening and understanding your specific situation, values, and top priorities. We handle our clients “one case at a time” with a commitment to detailed, exacting knowledge of your legal and financial situation and goals. You will always be treated with respect and never left in the dark about your case. Communication is vital and your phone calls and email will be responded to promptly.

    1. Educate and inform our clients about the law, court procedures and what path should be taken forward.
    2. Set the groundwork for and encourage an amicable path forward for a fair settlement.
    3. Fight, when necessary, to protect the safety of children or to obtain a fair property settlement or other important result.

    We strive to provide a divorce process that is as easy on you as possible. Our goal is to create productive, positive and cost-effective family law divorce solutions. We realize the importance of knowing when to boldly and immediately and effectively confront an unreasonable adversary, and when escalating a conflict

    and the financial and emotional costs that go along with it

    is unnecessary to gain your objectives.

    ABOUT SHERMAN LAW GROUP

    Divorce Attorney Bill Sherman
    Bill Sherman has extensive experience representing clients in all types of divorce matters. He is a former consumer affairs official, Senior Assistant County Attorney, Assistant Attorney General and has clerked for a family court judge, providing many years of experience in negotiation, trials and successful appeal of cases. His law and court experience in family law matters is unmatched in North Fulton, Forsyth and Cherokee Counties. Mr. Sherman is very proud of his reputation as a problem-solver who is always available to his clients. Along with his wife, attorney Valerie Sherman, he is active in the community, supporting many community organizations, sports teams and charities.

    Divorce Attorney Valerie Sherman
    Valerie Sherman has an extensive background handling divorce and family law matters. She has served as a Child Support Magistrate Judge and Assistant County Attorney, providing vital experience that benefits her clients daily. Practicing law for over two decades, she is known for being strong and wise, as well as caring and compassionate, especially when dealing with childrens’ issues. She has worked on a number of high-profile cases and is proud that so many clients refer her to their family and friends. Valerie Sherman is an enthusiastic supporter of local charities, community, library and arts organizations and sports teams.

    3 CONVENIENT OFFICE LOCATIONS

    Roswell (Main office)

    1560 Warsaw Road
    Roswell, GA 30076

    12600 Deerfield Parkway
    Alpharetta, GA 30004

    410 Peachtree Parkway
    Cumming, GA 30041

    *$2495 retainer fee for contested divorce attorney services. Some cases, such as those involving complex custody issues, may be more. Plus court filing fee and expenses.

    Attorney advertising. The information contained in this web site is intended to convey general information. It should not be construed as legal advice or opinion. It is not an offer to represent you, nor is it intended to create an attorney-client relationship. Initial phone conversations or email submissions through this site seeking advice or legal consultation do not establish an attorney-client relationship. The signing of a legal service contract and payment are required before the Sherman Law Group will represent you or provide legal advice. Testimonials are actual law firm clients; photos are not the actual clients and are for representation purposes only.

    Site design and content 2015 LQ Group. All rights reserved.

    lt;div style=”display:inline;”> lt;img height=”1″ width=”1″ style=”border-style:none;” alt=”” src=”http://googleads.g.doubleclick.net/pagead/viewthroughconversion/967230194/?value=0 amp;amp;guid=ON amp;amp;script=0″/> lt;/div>



    Home – Grabill Dentistry #dean #family #dentistry


    #

    One of our newest members to Grabill Family Dentistry (BRUSHY!) is here to celebrate and encourage our youngest patients to keep their teeth sparkling clean and cavity free.

    Each time a child (age 12 or younger) has a cavity free dental exam following a cleaning, they will be rewarded with:

    • Their picture taken at the office
    • A certificate with their name on it
    • A Brushy sticker to take home, and
    • Entered in a monthly drawing for a special prize!

    We will post their picture on our Brushy’s Brightest Wall of Fame web page for being in the No Cavity Kids Club.

    Per parents approval via media release consent.

    At the end of each month, one child out of all No Cavity Kids Club Members from that month will be entered to win a monthly prize. Only their picture will be kept on the website for the remainder of the year.

    Prizes will be announced at time of patient visit. Winner will be drawn the last day of the month at the end of the day and notified by the next day.

    Check out the Wall of Fame!

    Our friendly smiles

    Dr. Matthew Kolkman

    Dr. Kolkman was born and raised in Fort Wayne, IN; graduating from Northrop High School in 2004. He attended Butler University for undergraduate schooling before moving on to Indiana University School of Dentistry. He has continued his education after dental school taking specialized courses in sedation dentistry, laser dentistry, root canal therapy, placing and restoring dental implants, and bone grafting.

    Dr. Kolkman volunteers frequently at the St. Martin’s Dental Clinic in Garrett and the Matthew 25 Dental Clinic in Fort Wayne. He is a member of the American Dental Association, Indiana Dental Association, Isaac Knapp District Dental Society, Academy of General Dentistry, has an Associate Fellowship with the World Clinical Laser Imaging Institute, and is a board member for the Matthew 25 Dental Advisory Committee.

    Dr. Kolkman and his wife, Mandie, spend their free time with their toy cockapoo, Bijou, and orange tabby cat, Bella. They enjoy traveling, listening to local music, and spending time with family and friends.

    Dr. Kimbra Druley

    Dr. Druley grew up close to Fort Wayne, Indiana and attended Elmhurst High School. She then attended Ball State University where she was cumulatively on the Dean’s Honor List and graduated Magna Cum Laude.

    Dr. Druley pursued her DDS at Indiana University School of Dentistry, from where she graduated in 2002.

    Dr. Druley and her husband Jeremiah have twin daughters and a son. She has had Continuing Education in cosmetic dentistry, Lumineers, dental veneers, Cerec porcelain restorations, Invisalign and conventional orthodontics, sedation dentistry, and dental implants.



    Stelmock Law Firm #family #law #michigan


    #

    Request free consultation

    Stelmock Law Firm, P.C. – Divorce Lawyer, Family Law Attorney, Mediator, GAL and Parenting Coordinator in Canton, Michigan

    We do not dabble in family law matters as our practice is Divorce and Family Law. We are family law specialists who have dedicated our legal careers to issues such as divorce, visitation/parenting time, custody, paternity, child support, alimony, change of domicile, UCCJEA, modification of existing orders and other post-judgment work, personal protection orders, third-party custody, friend of the court and all other aspects of Family Law matters.

    Attorney Robert J. Stelmock is a certified mediator and has been appointed by the Court to act as a Family Law Mediator, Parenting Coordinator and Guardian Ad Litem. Mediation is a process used to help people reach agreements. Mediation is a voluntary, confidential and affordable process for resolving conflict with the help of a neutral, trained mediator. Please call today to learn how mediation can save you money.

    Ninety percent of our practice is family law related while the other ten percent consists of estate planning, probate and criminal law. We do not dabble in family law matters as our practice is divorce and Family Law. Please call us today and allow us to demonstrate to you, as we have to many other clients who refer clients to us, why they made the right choice in choosing us as their family law attorney for a lifetime.

    Legal Services

    We represent clients in the Metro Detroit area (Canton, Plymouth, Northville, Livonia, Westland, Ann Arbor, Novi) and throughout Wayne, Washtenaw, Oakland, and Livingston counties. The firm’s office is located at 8556 N. Canton Center Road, Canton, Michigan 48187. The firm is open Monday to Friday from 8:30 AM until 5:00 PM and evening and weekend appointments are available. The firm has legal assistants which are very helpful in assisting clients in various matters.

    We deeply appreciate and sincerely acknowledge the confidence our clients place in us both personally and by their many referrals of family and friends to our Firm. We understand that by continuing to provide only the highest level of service can we continue to grow as we have in the past.

    We encourage you to see these differences for yourself, please call us today at 734-927-9782 for a free telephone consultation.

    Stelmock Law Firm, P.C. in Canton Michigan, specializes in Divorce and Family Law Issues, Estate Planning, Probate and more. We proudly serve clients throughout Michigan including Wayne County, Washtenaw County, Oakland County, Livingston County, Monroe County and Macomb County and the communities of Canton, Plymouth, Northville, Livonia, Westland, Garden City, Redford, Ann Arbor, Novi, Farmington, Farmington Hills, South Lyon, White Lake, Commerce, Southfield, West Bloomfield, Brighton, Howell Monroe and surrounding areas.

    Awards




    GreeneStone – Residential Addiction Treatment Facility – Alcohol, Drug, Narcotic, Substance Abuse Addict Rehabilitation Clinic – Private Medical Rehab Detox Center – GreenStone Toronto, Ontario, Canada #greenestone, #greenstone, #medical, #clinic, #resort, #health, #wellness, #muskoka, #corporate, #drug #addiction #clinic, #physicians, #psychiatrists, #psychologists, #therapists, #nurses, #nutritionists, #physical #fitness #experts, #interventionists, #professional #help, #holistic #care, #psychiatric #disorders, #clinical #care, #aftercare, #healing, #mental #health, #alcohol #treatment #center, #substance #abuse, #rehabilitation #centers, #depression, #rehab, #detox, #recovery, #exectutive #programs, #professional, #betty #ford, #troubled #adults, #narcotics #anonymous, #intervention, #family #care, #aftercare, #support, #spa, #holistic, #wellness, #executive #health #care, #ontario, #canada, #bala, #port #carling, #cranberry #marsh #cove, #fitness, #accommodations, #ohip, #doctors, #nurses, #gp, #general #practitioner, #toronto


    #

    Residential Addiction Treatment

    Addiction Recovery Treatment

    GreeneStone Muskoka employs the best principles and practices currently available in the treatment of those with addiction. To ensure the most comprehensive and effective treatment for our clients, we treat underlying or co-occurring disorders in tandem with the treatment of addiction.

    Listen to Dr. William R. Jacyk – Medical Director speak about the program here at GreeneStone Muskoka

    Our Values

    Our approach is client-centered, embracing diversity and honouring the need for autonomy, independence and privacy. We have a respectful and non-judgmental attitude to people and to addictions. The treatment is in accord with a person’s personal beliefs recognizing that bolstering hope, courage and trust are integral factors in recovery. We provide excellence in care through evidence-based treatments. Our collaborative, team-based, inter-professional approach is practical and results oriented – It is a seamless, full continuum of care with inclusion of the person’s primary supports including family, friends or others who are the individual’s core team support.

    Karen Schafer, MSW, RSW – Family Therapist GreeneStone

    Are You a Family Member, Loved One or Friend?

    Dr. William Jacyk, MD, FRCPC – Senior Consultant GreeneStone

    Signs Symptoms Leading to Relapse

    Now Taking Admissions For This Year

    To Request your admission information or by calling us toll free at 1-877-762-5501. All calls are confidential.

    If you have any question please feel free to email us GreeneStone is fully operational during the Winter season.

    Start Your Journey To Recovery Today

    See if GreeneStone Muskoka is right for you by speaking with a member of our Admissions team.

    Calls us toll free at 1-877-762-5501.All calls are confidential.

    GreeneStone provides expert care in the treatment and recovery of those with substance abuse issues. The first addiction treatment facility of its kind in Canada.

    GreeneStone provides a comfortable and private environment where executives and professionals are able to find the individualized care that they need.

    GreeneStone employs the best principles and practices currently available in the treatment of those with addiction. We simultaneously treat clients with underlying or co occurring disorders so that the treatment of addiction can be as comprehensive and affective as possible.

    GreeneStone

    Join Our Community



    Minneapolis Divorce Attorneys, Minnetonka Family Law Lawyers, family law minneapolis.#Family #law #minneapolis


    #

    How Can We Help You?

    Fill out the consultation form below and we will get back to you as soon as possible.

    Minneapolis Family Law Attorneys

    Where Families Come First Guiding You Through The Legal Process

    When you have a legal problem, it affects everything — your job, your children and your future. It is important to have strong legal representation to get your life back on track. At Beckman Steen Lungstrom, P.A., we guide clients through the legal process so they are ready to move forward when their legal issues are resolved.

    Family law minneapolis

    We Will Help You Help Yourself Creative Solutions To Legal Problems

    Our Minneapolis family law attorneys are not the stereotypical attorneys. We take the time to answer questions so that you, not the legal system, are in control of the situation. We believe that when you are fully informed about your options and risks, you will make the right choices for you and your family. In short, we will help you help yourself.

    We are not afraid to explore creative solutions to legal problems, whether the matter involves divorce and family law or a probate matter. Because many of these matters can be highly charged and stressful, we are strong proponents in many instances of alternative dispute resolution (ADR) methods such as collaborative practice divorce and mediation. In addition to being less adversarial, ADR may also save clients time and money. Clients appreciate this combination of personal service and creativity. They also recognize that our diverse life experiences give us an unusual ability to empathize with clients’ situations.

    How We Can Help You

    At Beckman Steen & Lungstrom, P.A., we are here to guide you through these difficult times.

    Whatever the issue, we want the best for you and your family. Many of our clients are people with individual needs and circumstances. Our Minnetonka attorneys offer sensitive counsel and effective representation in all areas of family law, whatever our clients’ situations.

    Family law minneapolis

    Tera L. Lungstrom

    Family law minneapolis



    Bipolar Disorder: Treatment and Care #bipolar #disorder, #bipolar, #treatment, #care, #treatments, #medications, #medication, #therapy, #help, #caring, #psychotherapy, #family, #loved #one, #manic


    #

    Treatment Prevention

    The best treatment for bipolar disorder is a combination of medication and counseling. Doctors often treat the mania symptoms with one set of drugs, and use other drugs to treat depression. Certain drugs are also used for “maintenance” — to maintain a steady mood over time.

    Medical Care

    1. What Kind of Doctor Treats Bipolar Disorder? There are many medications for treating bipolar disorder, so a psychiatrist, who is best qualified to identify which drugs work best for a specific patient, should oversee treatment.
    2. Bipolar Treatment Options Bipolar disorder is treated with three main classes of medication: mood stabilizers, antipsychotics, and antidepressants.
    3. Medication Options for Bipolar Disorder Finding the right bipolar medication regimen can be challenging. For most people with bipolar disorder, two or more medications are used in combination to address the varied symptoms. Find information here about coping with side effects and tips for sticking to your treatment plan.
    4. Bipolar Medication Tips If you have bipolar disorder, you may need to take medication indefinitely and possibly for the rest of your life.
    5. Tricyclic Antidepressants Tricyclic antidepressants work by increasing activity of the brain chemicals serotonin and norepinephrine, which scientists believe play a role in brain circuits that regulate mood. However, these drugs sometimes increase the risk of mania.
    6. Antipsychotic Medications Antipsychotic medications are used as a short-term treatment for bipolar disorder to control psychotic symptoms such as hallucinations, delusions, or mania symptoms.
    7. Anticonvulsant Medications Anticonvulsants work by calming hyperactivity in the brain. They’re often prescribed for people who have rapid cycling — four or more episodes of mania and depression in a year.
    8. Calcium Channel Blockers for Bipolar Disorder Calcium channel blockers are typically used to treat high blood pressure or heart problems. Some have also been studied to treat mania or depression in bipolar disorder.
    9. Benzodiazepines for Bipolar Disorder Benzodiazepines are not a “core” treatment for mania, but they can rapidly help control certain symptoms — such as restlessness, agitation, or insomnia — until mood-stabilizing drugs can take effect.
    10. MAOIs for Bipolar Disorder Monoamine oxidase inhibitors are an extremely potent class of antidepressants that treat depression by preventing the breakdown of serotonin, dopamine, and norepinephrine in the brain.
    11. Lithium for Bipolar Disorder Lithium (Eskalith, Lithobid) is one of the most widely used and studied medications for treating bipolar disorder.
    12. Treatment for Bipolar Depression While depression episodes are far more common than manias and have a tremendous effect on the lives of patients, there are only a few established treatments for bipolar depression.
    13. Bipolar Mania Treatment If you have mania, you’ll probably need to take medicine to bring it quickly under control.
    14. Treating Bipolar Disorder in Pregnancy Few studies have been done on bipolar disorder and pregnancy, so not enough is known about the risks of untreated bipolar disorder or the risks and benefits of medications during pregnancy.
    15. Therapy for Bipolar Disorder Psychotherapy, or “talk” therapy, is an important part of treatment for bipolar disorder.
    16. Electroconvulsive Therapy and Bipolar Disorder Electroconvulsive therapy, also known as ECT or electroshock therapy, is a short-term treatment for severe manic or depressive episodes.
  • Avoiding Complications

    1. Bipolar Disorder and Suicide Prevention If you have bipolar disorder, you may have a higher chance of committing suicide. Watch out for the warning signs and reach out to your family, friends, or health professionals for help.
    2. Bipolar Suicide Warning Signs People often talk about suicide before they attempt it, so pay close attention to what they are saying and take them seriously.
    3. Self-Harm and Bipolar Disorder Self-injury, often including cutting, self-mutilation, or self-harm, is an attempt to cope with overpowering negative emotions.
  • Top Picks

    Today on WebMD

    Mood Swings? It Could Be Bipolar Disorder

    Signs of mania and depression.

    What Is Lithium?

    Learn about this popular bipolar disorder medication.

    Dealing With the Ups and Downs of Bipolar?

    Assess your symptoms.

    5 Types of Bipolar Disorder

    How is each one different?



    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.



    Lending Money To Family And Friends #peer #to #peer #loans


    #loan money
    #

    Lending money to family and friends

    Lending money to family and friends

    Lending money to loved ones could be a gesture of good will — or it could be disastrous to your own personal finances, depending on the circumstances.

    *Ann’s co-worker was in a jam. She had car trouble, no extra money and wanted to borrow $500. “Money was tight for me, but I knew it was tighter for her,” Ann recalls. So she lent her co-worker the $500. Her friend paid her back, in full, about a year later.

    But not all loans work out as well. Beth and her husband lent her stepdaughter, Jan, now 36, about $100,000 — toward credit card debt, grocery money, school supplies for her kids, college tuition, cigarettes, security deposits and more. They never saw their money again.

    Just as borrowers need to proceed carefully, so do lenders.

    “It is very hard to pull apart your personal feelings from that business transaction when you loan money to friends and family,” says personal finance expert and author Manisha Thakor, CFA. “The biggest downside is ruining the relationship when you don’t get paid back at all, which frequently happens.”

    Learn how you can increase the odds of getting your money back while keeping the relationship on track.

    *Alternative names were used in this story to protect sources’ privacy.

    Consider the money a gift and repayment a bonus

    Ann lent her co-worker with car trouble the money and afterward never mentioned it. “Emotionally, I was always prepared to write that $500 off as a gift,” Ann says now. “I was ready to give it to her.”

    That’s exactly what Certified Financial Planner Robert Schmansky recommends.

    “If you’re going to make a loan to a family member, assume that money is gone from the start,” says Schmansky of Clear Financial Advisors in Troy, Mich. “Have the mindset (that) this is money you may not get back. You’re on the hook for whatever it is. Don’t let the financial consequences of this person defaulting or not making payments interfere with your relationship. Giving a gift is a lot better, a lot cleaner.”

    You may decide that giving a gift with love is better than a loan. “With family, my personal rule is, ‘Only give if you are willing to not ever get the money back,'” Thakor says. “Commit to yourself that you are aware you might not get the money back. But that is a risk you are willing to take because love is more important than money.”

    Treat the loan as a business transaction

    If you can’t consider the loan a gift, be just as businesslike as your bank would be.

    Lisa lent her daughter, a college student, $700 to buy a computer. Each month, her daughter paid her $50 and watched as Lisa entered the payment in a ledger and updated the amount owed until the money was paid back in full.

    To make sure you get paid, Schmansky and Thakor recommend getting everything in writing.

    “Set up expectations,” Schmansky says. “That way, the family member isn’t coming back to you in a year saying, ‘Unfortunately, I can’t pay you back.'”

    You can even set payment up as an automatic debit, Thakor says. Consider getting collateral and charging interest, she recommends.

    “When you make a loan, you’re assuming risk,” Thakor says. “Interest is the mechanism to help compensate for that risk.” You can charge a higher interest than you’d get from many savings accounts and still be charging less than the interest on a credit card or bank loan, she says.

    Don’t take the middle ground

    Don’t compromise between a gift and a business transaction, Thakor says. “If you do anything in between those two, that’s when you’re going to get into trouble. All the horror stories you hear about people lending money to friends and family boil down to, ‘It’s kind of a gift or sort of a business transaction,'” she says.

    Beth’s loans to Jan were smack in between the two. After one particular bailout, Beth and her husband created a written agreement that specified Jan would meet with them weekly to talk about budgeting. “She showed up once, then never again,” Beth says. But Beth and her husband did not insist she adhere to that or other terms, either.

    So both sides of the transaction were at fault.

    Make your own personal finances a priority

    The first moment of truth came about three years ago, when Beth and her husband began tracking spending. “We realized we had bailed her out that year to the tune of about $12,000,” Beth says. “I’d like to say the gravy train stopped then, but it actually continued until about a month ago.”

    That’s when Beth and her husband had to pay for a new roof on their own home and realized they needed their cash cushions for themselves. “No wonder my retirement account looks so crappy,” Beth says.

    Beth had a frank talk with Jan and told her to figure out what was wrong with her finances and to get another job if that’s what it took to stay afloat.

    Jan figured out her monthly expenses were $200 more than her monthly income. She began applying for second jobs. But she still hadn’t completely received the message, since she came to Beth saying she had forgotten her car registration was due.

    “I said, ‘I’m sorry about that, and what are you going to do?'” Beth recalls. Then Jan asked her dad for a pack of cigarettes, and Beth and her husband told her that not only had routine financial assistance come to an end, but so had gifts of cigarettes and groceries.

    Say ‘no’ to habitual borrowers

    Tensions rise when expectations aren’t met. When you’re waiting for a loan payment that isn’t coming, for example, it burns to see your loan recipient spending money on things you consider wasteful. What you consider a want, such as organic groceries or cigarettes, your loan recipient may classify as a need, Thakor says.

    Needing money to cover an emergency is one thing, Beth says. Borrowing money for everyday expenses signals a problem. “People who borrow habitually are people who have difficulty saying “no” to themselves and separating wants from needs,” she says. “You should not feel guilty saying ‘no’ to these people.”

    If you’re not comfortable making the loan, don’t do it, Schmansky advises. “I can’t overemphasize the idea that this person is coming to you because they can’t get money anywhere else,” he says. “I tell my clients to use me as the bad guy and tell them, ‘My financial adviser says this is something that doesn’t work with our goals.'”

    But when circumstances are right, you may want to say “yes.”

    Thakor says the upside of lending money is the good feeling you get by being able to help someone else. “Some people will argue it’s good karma,” she says.

    Plus, you may need such a loan yourself one day.



    Patient Transport, Medical Air Transport #air #medical #transportation, #free #medical #air #transportation #patient #family #transport #medical #travel #flights #airlift #hope #north #carolina #tennessee #air #medical #transport #transportation


    #

    Dedicated To Helping Financially Needy Patients With Free Medical Air Transportation of America

    Airlift Hope of America is a non-profit organization serving patients in need and their families. We provide air transport to specialized medical facilities for evaluation, diagnosis, treatment and rehabilitation.

    Latest News

    Our Pilots, Our Heroes

    Angel Flight and Airlift Hope of America pilots enjoyed a banquet in their honor on April 18 during the second annual Gathering of Eagles in Virginia Beach, Virginia.

    Read more Bonds Formed at Gathering of Eagles

    Pilots in the Mid-Atlantic region had a chance to slip the surly bonds of the work week and come together for an eventful trip to Virginia Beach on Saturday, April 19. Seventeen volunteer pilots drove or flew to A Gathering of Eagles, the first of an annual event that featured a pilot briefing, a question and answer session, training for individuals wanting to become Community Representatives, and a banquet that recognized award-winning pilots from the region.

    News, stories, and inspiration, delivered to your email inbox once per quarter.

    PROUD MEMBER OF:


    To ensure that no patient in need is denied access to distant specialized medical evaluation, diagnosis, treatment, or rehabilitation for lack of a means of long-distance medical air transportation.

    Airlift Hope of America provides medical air transport for patients departing from: North Carolina and Tennessee.

    By Candice Gindle, Intern (Virginia Wesleyan College)

    Bianca, just over two years old, was born deaf. Her mother, Ashley, says she wasn’t deaf in the womb. When Bianca was born, her potassium and creatinine levels were “sky high,” causing doctors to believe that her kidneys led to her deafness.

    Traveling the Distance

    Before Ashley discovered Airlift Hope of America, she was driving about 500 miles (10 hours), round trip, to Bianca’s doctor’s appointments at Carolina Children’s Communic. “They got us to our medical appointments,” Ashley says in reference to Airlift Hope of America. She says this has helped to make things much easier on her, since she and Bianca must make this trip once every two weeks.

    On her second birthday, Bianca received a cochlear implant in her right ear. She must go to Carolina Children’s Communic every two weeks to have the implant turned up. Her hearing in her right ear is now at fifty and, according to Ashley, it only has to be turned up two more times before Bianca’s left ear is at full hearing.

    “She’s been through a lot since she’s been born,” Ashley says about her daughter. Bianca still experiences different struggles, such as having to bathe with an ear plug to keep her implant from getting wet, but her mother tells us that Bianca’s implant has helped her to lead a relatively normal life. She is capable of hearing and understanding people, and she can also say words such as, “Momma,” “bye bye,” “brother,” and “eat.”

    “We’re getting there,” says Ashley. Bianca is scheduled to have her second implant in her left ear next year.

    Candice is a rising junior at Virginia Wesleyan College in Norfolk, Virginia. She is majoring in communications with a concentration in film, and she also enjoys writing. During her internship, Candice hopes to gain more writing and professional experience. In return, she hopes to make a positive contribution to Airlift Hope of America.



    Tennessee Civil Statute of Limitations Laws #tennessee #family #laws, #tennessee #estate #planning #laws, #tennessee #consumer #laws, #tennessee #health #care #laws, #tennessee #civil #rights #laws, #tennessee #business #laws, #tennessee #property #and #real #estate #laws, #tennessee #accident #and #injury #laws, #tennessee #employment #laws, #tennessee #statutes #of #limitations


    #

    Tennessee Civil Statute of Limitations Laws

    For civil cases and procedures, such as lawsuits and judgments, states impose time limits called a statute of limitations . For instance, an injured person must file a lawsuit within a certain period of time after the time of the incident that caused the injury. If you fail to do so, you automatically forfeit your right to file suit; but states also accommodate for the fact that injuries may not be discovered until much later. Criminal law has a similar set of time limits, also referred to as the statute of limitations.

    In Tennessee, as in other states, these time limits vary for different kinds of civil actions. For example, plaintiffs have one year in which to file a lawsuit for personal injury, three years for lawsuits involving personal property, and six years for the collection of rent and debts.

    The following is a summary of Tennessee’s civil statutes of limitations, with additional links to related resources.

    Injury to Person

    Note:State laws are constantly changing. While we make every effort to make sure our State Laws section is up to date, you may also want to contact a Tennessee personal injury attorney or conduct your own legal research to verify the state law(s) you are researching.

    What Is the Purpose of Statutes of Limitations?

    There are a couple of key reasons why civil courts in Tennessee and elsewhere impose statutes of limitations. For one, they help ensure that claims are filed soon enough after the incident that evidence remains clear and useful (including witness testimony). Additionally, these time limits prevent potential plaintiffs from threatening lawsuits indefinitely. It’s important to keep in mind that the statute of limitations may be paused (or tolled ) if the plaintiff was a minor at the time of the incident or mentally incompetent.

    Research the Law

    Tennessee Civil Statute of Limitations Laws: Related Resources

    Free Claim Evaluation by a Tennessee Lawyer

    Tennessee’s civil time limits for filing your injury case often depends on the type of injury involved. The statute of limitations is longer for collection of rent than it is for personal injury, for example. While this can all get a bit confusing, you don’t have to figure it out alone. Let a skilled injury attorney evaluate your legal claim now at no cost to you to learn more.



    Family Law Attorney #family #law #attorney #austin, #family #lawyer, #gay #adoption, #lgbt #adoption, #will, #probate, #estate #planning, #wills #and #trusts


    #

    Christine Henry Andresen is a family law attorney in Austin and a finalist in Legal category of the 2017 Austin Under 40 Awards, with wide-ranging experience in both traditional and non-traditional family-building, family-securing and family-rearranging. Specifically, the areas of family law in which Christine practices are: reproductive law—adoption law, gestational law, surrogacy law, Assisted Reproductive Technology (ART); LGBT family law; divorce; child custody; and child welfare (CPS cases). CHA Law Group also prides itself in doing will and estate planning for clients, whether they are single, married, gay, straight, trans, parents, and/or dog-lovers.

    Practice Areas

    Schedule a Consultation

    What are people saying about Christine?

    Christine and her staff were extremely helpful and knowledgeable in preparing our wills and medical power of attorney and additional documents. Her expertise in same sex domestic partnerships was instrumental in providing us with proper documents and protection needed in TX. my partner and I will most certainly recommend her to our friends and family, and we will absolutely continue our relationship with Christine and her staff. Flyree M.

    Feb 28, 2017 | Blog Austin Under 40 Awards Finalist! CHA Law Group is pleased to announce that Christine is a finalist for the 19th Annual Austin Under 40 Awards! Read More

    2003 South Lamar Blvd
    Suite 3 | Austin, Texas 78704
    512.394.4230

    SIGN UP FOR OUR NEWSLETTER



    Pay Day Loan online – Cheap Pay Day Loan military – Get Pay Day Loan instant – Kindred the Family Soul #loans #for #bad #credit


    #advance payday loans
    #

    Get Loan Now – Click here

    search pay day loan today without check usa

    shaldon pay day loan

    1500 dollar pay day loans Nehawka NE

    day faxing loans no pay required

    affordable pay day loans

    search pay day loan low fee without verification Dakota City NE

    cash advances pay day loan Hartington Nebraska

    pay day loan white plains

    faxless pay day loan advances no credit checks usa

    how to get pay day loan lowest fee within one hour international

    wired advance pay day loan

    fast pay day cash loans

    cheapest pay day loan today no credit history international

    37 pay day loan payday 54 Shelby NE

    the best pay day loan lowest fee with social security

    cheap pay day loan company with social security

    low rate pay day loan Pierce NE (Cornhusker State)

    new pay day loan uk

    pay day loans without faxing

    pay day loans portland

    california pay day loans

    military pay day loans no faxing

    money back pay day loans

    pay day loans suing me

    consumer help on pay day loans

    pay day loans darby township

    pay day loans greenwood indiana

    day directory email loan pay Bellevue Nebraska

    fast cash advance pay day loan Dix NE

    cash until pay day loan

    cheap pay day loan no fax with a checking account usa

    pay day loans chris

    carnoustie pay day loan Meadow Grove NE

    renewable pay day loans

    pay day loan consolidation companies

    stories about pay day loan help no bank account usa

    faxless pay day loan settlement no bank account

    pay day loans ez check

    day in loan maryland pay

    pay day loan with extensions

    new orleans pay day loan St. Libory NE

    everyone approved pay day loan company without check non usa

    pay day loans the same day

    email pay day loan

    pay day loans laws in oklahoma

    low interest online pay day loans

    everyone approved pay day loan check without verification United States

    cheapest pay day loan company without direct deposits Hooper NE

    instant fax pay day loans

    pay day loan 500 lender

    pay day loans cazenovia

    financial pay day loan web no bank account non usa

    how to get pay day loan company no credit checks

    can I find pay day loan advances with a savings account usa

    pennsylvania pay day advance loan

    pay day loans opportunity

    about pay day loan today without bank statement usa

    bad credit loan pay day loan

    payday pay day loan cash advance

    las loans pay day vegas

    best pay day loans

    no fax pay day loans canada

    pay day cash advances loans

    day easy loan pay xxasdf

    ten dollar pay day loans

    faxless pay day loan help no bank account

    cheapest pay day loan direct lenders with a savings account international

    extra cashpay day loan bank account without bank statement international

    can I find pay day loan lowest fee without verification usa

    loan pay day cash advance

    faxless pay day loan lowest fee with social security United States

    get pay day loan help with social security non usa

    faxless pay day loan web with flexible payments non usa

    instant pay day loan next day without credit history international

    how to get pay day loan check without check non usa Grant Nebraska

    now pay day loan bank account without verification United States Western Nebraska

    stories about pay day loan wire transfer no direct deposit non usa

    pay day loans money tree

    bolingbrook pay day loan

    secure pay day loan wire transfer without any faxing Woodland Hills NE

    day loan pay us

    arizona loans pay day

    pay day loan oregon Madrid NE

    pay day loans burnsville

    can I get pay day loan company with social security usa

    easy pay day loan today no credit checks

    san francisco pay day loans

    money pay day loan next day without verification usa

    pay day loans home based business

    search pay day loan website without bank statement international

    now pay day loan bank account with a checking account

    pay day loans no bank statement Morrill NE

    day military pay day loans

    now pay day loan lenders without check non usa

    pay day loan one hour

    real pay day loan savings account without bank statement international Gibbon Nebraska

    extra cashpay day loan advances without verification international

    cash loans org pay day til

    online pay day loans faxing

    matlock bath pay day loan Fort Calhoun NE

    didcot pay day loan

    instant pay day loan check no bank account international

    pay day loans quick no faxing

    phoenix pay day loan Ponca NE

    pay day loans investors Newman Grove Nebraska (Cornhusker State)

    no employment check pay day loan Milligan NE (Cornhusker State)

    low cost pay day loan advances with a checking account usa

    cash till pay day loan savings account without any faxing Gretna Nebraska

    canda pay day loans Tecumseh Nebraska

    no tele-track pay day loans

    canadian day loans pay Stanton NE (Cornhusker State)

    extra cashpay day loan now no bank account non usa

    day loan pay quick

    pay day loan banking regulations

    cash til pay day loan

    pay day loan definitions Atkinson NE (Cornhusker State)

    search pay day loan with a savings account Bennet NE (Cornhusker State)

    prl pay day loan agreement

    pay day loans bee ridge

    eliminate pay day loan

    pay day loans closter Silver Creek NE

    get pay day loan web with a savings account O’Neill NE

    evershot pay day loan

    everyone approved pay day loan bank account without credit history non usa

    pay day loans without credit checks

    pa pay day loan help Wayne Nebraska

    pay day loans keene Hay Springs Nebraska

    can I find pay day loan settlement within one hour non usa Davenport Nebraska

    secure pay day loan web within one hour

    everyone approved pay day loan low fee without check non usa

    pay day loans henderson nv

    cash pay day loan direct lenders without direct deposits United States



    Penn State Online #human #development #and #family #studies #degree, #penn #state #online #bachelor #s #degree #programs, #penn #state #world #campus


    #

    Bachelor of Science in Human Development and Family Studies

    Achieve Your Career Goals with an Online Degree in Human Development and Family Studies

    The nation’s population of older adults is growing. Family dynamics are changing with increased need for child care and family services. Social problems are affecting more and more people. Additional stress on children and adults is leading to school, work, and relationship issues. There is a strong and growing demand for professionals with the training and expertise to help improve people’s lives.

    The online Bachelor of Science in Human Development and Family Studies (HD FS) degree with an option in Life Span Human Services from Penn State can help you learn how individuals change from birth to old age, how families and communities influence these processes, and how to apply this knowledge in order to develop, implement, and evaluate interventions designed to improve people’s lives.

    Why a Human Development and Family Studies Degree Online at Penn State?

    Education with Purpose – Pursue a degree that interests you and allows you to help make lives better along the way. Learn how to make a difference by advocating for new social policies and programs or developing new models to prevent and treat social, emotional, and behavioral problems. In addition, you can gain practical, transferable skills that will prepare you to interact with a wide variety of people throughout your career.

    Flexibility – The online courses provide the flexibility and convenience to study around your schedule. Skip the lengthy commute time without sacrificing beneficial interactions with your knowledgeable, caring faculty. Learn from the experiences of your fellow classmates without leaving the comfort of your home.

    Comprehensive Curriculum – You will have the opportunity to study a wide range of human services and diverse populations while gaining an understanding of human development across the life span and the influences of the family and the community on development. You can learn how people change in response to their surroundings — within families, schools, communities, and the work place. And you can explore how evidence-based interventions improve lives.

    Solid Foundation – You have the option of starting the bachelor’s program immediately, or you can choose to enhance your professional credentials by achieving important milestones along the way. For example, you could earn the Undergraduate Certificate in Children, Youth, and Family Services. the Undergraduate Certificate in Adult Development and Aging Services. or the Associate in Science in Human Development and Family Studies first. The credits earned in the associate degree and these certificates may be applied toward the bachelor of science in HD FS at Penn State. Use these credentials to set yourself apart on the career ladder as you pursue your education goals.

    Applied Learning – This may be an online degree, but preparing for a human services career requires experience working in the field with real people. HD FS students complete an internship at a human service organization in their community. Real world experience will help you build professional networks, establish references, and reflect on what you have learned in the classroom.

    Who Should Apply?

    If you are looking for a way to achieve your career goals while helping to improve the well-being and health of individuals and communities, then this degree program is for you. It is an ideal choice if you are just beginning to earn a degree in the human-service field — or if you already have academic credits or an associate degree in the field.

    Career Opportunities for Graduates

    The well-rounded curriculum can give you the basis you need to become a leader in human services, working in various organizations such as:

    • preschools, summer camps, and after school programs
    • marriage and family counseling centers
    • youth and family service organizations
    • elder care and services agencies
    • drug and alcohol treatment centers
    • health care facilities
    • nonprofit organizations
    • human resource departments
    • public relations agencies

    As a graduate of the bachelor’s degree in HD FS, you could be qualified to work with children, youth, and families, as well as adults through a wide range of career paths to:

    • oversee treatment and interventions
    • plan, organize, implement, manage, and coordinate programs
    • supervise the operations of various centers
    • provide leadership for projects
    • work directly with children, older adults, and families

    In addition, this degree is an excellent way to prepare for graduate school or advanced clinical training in the social, behavioral, and health sciences.

    Online Education at Penn State

    Penn State has a history of 100+ years of distance education and more than a decade of experience in online learning. We create an online learning environment that offers you the same quality education our residential students experience in a face-to-face setting. Learn more about Penn State World Campus .



    Evans Family Law – a Long Beach, California (CA) Family Law Law Firm #Evans #family #law


    #

    Evans Family Law

    Law Firm Overview

    Attorney Kendall L. Evans founded our Long Beach law firm, Evans Family Law, with the goal of offering the residents of Orange and Los Angeles counties efficient and effective legal representation for a wide variety of family law matters. Today, our firm has a reputation as the home of one of Southern California’s leading family law attorneys, which causes countless clients to seek our assistance each year as they face a variety of challenges, including:

    Attorney Kendall L. Evans founded our Long Beach law firm, Evans Family Law, with the goal of offering the residents of Orange and Los Angeles counties efficient and effective legal representation for a wide variety of family law matters. Today, our firm has a reputation as the home of one of Southern California’s leading family law attorneys, which causes countless clients to seek our assistance each year as they face a variety of challenges, including:

    • Divorce
    • Property division
    • Alimony
    • Child support
    • Child custody

    Ms. Evans began her legal career in 2002, and she has earned the respect of both her clients and her peers for her skills as both a litigator and mediator over the course of her career. As a result of her dedication to the people of Southern California, she has earned a “Superb” rating from Avvo, and she received a pro bono award from Breast Cancer Angels in 2012.

    If you face an upcoming divorce or have a delicate child-related problem, you can put your trust in our attorney at Evans Family Law. If you would like to learn more about how our law firm can help you, you can do so by scheduling a free initial consultation at our law office in Long Beach.

    Family Law Divorce Child Custody Child Support Fathers Rights Mediation Collaberative Law

    How do I choose a lawyer?

    Consider the following:
    Comfort Level – Are you comfortable telling the lawyer personal information? Does the lawyer seem interested in solving your problem?
    Credentials – How long has the lawyer been in practice? Has the lawyer worked on other cases similar to yours?
    Cost – How are the lawyer’s fees structured – hourly or flat fee? Can the lawyer estimate the cost of your case?
    City – Is the lawyer’s office conveniently located?

    Not sure what questions to ask a lawyer?

    Here are a few to get you started:

    • How long have you been in practice?
    • How many cases like mine have you handled?
    • How often do you settle cases out of court?
    • What are your fees and costs?
    • What are the next steps?

    Want to check lawyer discipline?



    The Abrams Law Firm LLC – Las Vegas Divorce Attorneys: Las Vegas Divorce Lawyers #las #vegas #divorce #attorneys,las #vegas #divorce #attorney #ratings,divorce #attorneys #in #las #vegas #nevada,las #vegas #family #law #attorneys,las #vegas #divorce #lawyer,las #vegas #divorce #lawyers,las #vegas #family #law #attorney,las #vegas #family #lawyers,las #vegas #divorce #attorney,las #vegas #divorce #lawyer,las #vegas #family #lawyer


    #

    Dedicated to Our Divorce Law Clients

    Your divorce or divorce-related matter is likely an important aspect of your life at this time. The choice you make for a divorce attorney will play a critical role during the legal process and in the outcome of your case. You deserve exceptional legal services from a team of Board Certified Family Law Specialists who will use their legal skills to accomplish your goals.

    Each divorce related matter is as unique as each client we represent. You will receive personal attention, vigorous legal representation, and be directly counseled by one of our Las Vegas divorce attorneys. You will benefit from our preparedness, legal acumen, decorum, and advocacy that are demonstrated daily in the Clark County Family Courts. This reputation has earned us the respect of the Family Court judges and opposing counsel alike. Learn more about our Board Certified Las Vegas divorce attorneys.

    Exclusive Divorce and Divorce Related Practice

    The Abrams Law Firm is the only Las Vegas based family law firm devoted exclusively to divorce and divorce related matters. The partners of the firm are Board Certified Family Law Specialists by the State Bar of Nevada. This is an expert designation and less than one percent of all Nevada licensed attorneys have earned this accreditation. Learn why a Board Certified Family Law Specialist is important to you.

    Court Certified Independent Experts on Your Behalf An expert’s reputation in the eyes of a Las Vegas Family Court judge is critical when your spouse has a contrary opinion. Each expert retained by our law firm on your behalf is certified by the Clark County Family Courts. They possess the professional experience to be certified by the family courts and likely have previously appeared before the judge assigned to your case. Learn how a Court Certified expert can help you.

    Why Clients Choose Our Law Firm

    Your choice of a divorce attorney is highly personal and should be based on what you believe is the best fit for your circumstances. We understand that not every divorce matter requires the level of legal representation our law firm provides. It is in your best interest to thoroughly research all the options available to you. We don’t know if what we offer is right for you, but we do know why our clients choose our law firm for their divorce matter legal representation. Learn more about why clients choose our law firm.

    Call 702.222.4021 to speak with one
    of our expert divorce attorneys today

    We also welcome you to investigate the content of our website. A conscious effort has been made to create a format in plain English rather than legalese. The content is for informational purposes only and is specifically not intended to be direct legal advice. Please make another selection to learn more about how we can help you.

    We serve clients in the greater Las Vegas, Nevada area.

    “Throughout course of the case, Jennifer Abrams displayed the following positive leadership attributes: 1) Developed a solid strategy, 2) Established clear goals to achieve, 3) Leveraged the support for her excellent staff, 4) Applied her solid financial background and conducted in-depth research of related cases, 5) Displayed high ethical standards and followed relevant legal processes, and 6) Achieved solid results. Attorney Abrams kept me fully involved and informed as the case proceeded.”
    – Ned N.

    What Our Clients Say:

    “Throughout course of the case, Jennifer Abrams displayed the following positive leadership attributes: 1) Developed a solid strategy, 2) Established clear goals to achieve, 3) Leveraged the support for her excellent staff, 4) Applied her solid financial background and conducted in-depth research of related cases, 5) Displayed high ethical standards and followed relevant legal processes, and 6) Achieved solid results. Attorney Abrams kept me fully involved and informed as the case proceeded.”
    – Ned N.

    “Going through a divorce let alone a high conflict divorce, can be more than overwhelming at times. Before I found Abrams Law Firm, I had been to two other law firms, and was making no progress, and feeling extremely stressed. Then a friend referred me to Vincent Mayo at Abrams Law Firm. I went to a consultation that week and was so relieved and impressed at all of questions and solutions I was getting just from the initial consultation. I ended up signing with the Firm that very day and my entire case took a turn for the best! I started to feel immediate relief and validation from all of their hard work on my case and most importantly their knowledge of what needs to be done specifically in each different situation. Once my case was in Abram’s Law Firm’s hands, I didn’t have to constantly worry or stress, because I knew someone was fighting hard for me and my children! �Finding the right Law Firm for a divorce is crucial and I am so grateful for finding this firm! And I know my children are grateful as well.”
    – Anne J.

    “Attorney Brandon Leavitt was referred to me by a lawyer who does not practice family law. He was the third lawyer that I met with and right away I knew that he was the right person for my divorce. He was up front, honest, and friendly. He asked me what I wanted and let me know what would most likely happen. He informed me of my rights and helped me through the rollercoaster of emotions that came with making this change.”
    – D’Ann M.

    “Jennifer V. Abrams Esq. did an outstanding job understanding the details of my case and evaluates the situation and conditions associated with it from many perspectives. She is precise, calculating and strategic.”
    -Matthew M.



    FamilyWealthReport – Exclusive Intelligence for the family office community #family #office,family #office #news,family #risk,family #risk #news,family #wealth,family #wealth #news,family #wealth #report,high #net #worth,high #net #worth #news,hnw,hnw #news,mfo,mfo #news,multi #family #office,multi #family #office #news,private #bank,private #bank #news,private #banking,private #banking #news,private #wealth,private #wealth #news,private #wealth #reporting,registered #investment #advisor,registered #investment #advisor #news,ria,ria #news,sfo,sfo #news,single #family #office,single #family #office #news,uhnw,uhnw #news,ultra #net #worth,ultra #net #worth #news,wealth #management,wealth #management,wealth #management #news,wealth #management #news,wealth #manager,wealth #manager #news,wealth #planning,wealth #planning #news,ifa,independent #financial #advisor,ifa #news,independent #financial #advisor #news


    #

    Josh O’Neill, 23 June 2017

    The results of the first phase of the US Federal Reserve’s stress test are music to congressional Republicans’ ears.

    Robbie Lawther, 22 June 2017

    UBS Wealth Management has published a white paper on Millennial wealth to explore how their desire for technology how this will impact the financial services sector.

    Diane Harrison, 21 June 2017

    Best-selling novelists may hold a clue on the smart way for investment firms to pitch their ideas to wealth managers, so the author of this article argues.

    Tom Burroughes, 20 June 2017

    Wealthy families need to observe certain disciplines in using social media so that reputations are protected and nurtured. The family office firm talks to FWR about some of the issues.

    Latest News

    Market Research – June 23, 2017

    New data on the cannabis industry outlines a growth pattern that will likely blow your mind.

    Strategy – June 23, 2017

    Several large international banks have voted to replace a key inter-bank lending rate.

    New Office – June 23, 2017

    The new center is located in Union Square, Manhattan.

    New Office – June 23, 2017

    The bank has revamped one of its branches in the Golden State.

    People Moves – June 23, 2017

    Financial services giant Raymond James serves more than 3 million client accounts through 7,200 financial advisors in the United States, Canada and overseas.

    Comment and Analysis

    Philanthropy – June 7, 2017

    A regular columnist for FWR does not pull any punches in analyzing the current direction of US tax policy as it affects philanthropic giving, and gives advice to wealthy donors on how to act.

    Investment Strategies – May 22, 2017

    Whatever one thinks of the claims and counter-claims surrounding Donald Trump following his recent firing of the FBI’s head, markets have been rattled. But arguably, equities are due for a correction and there i.

    Technology – May 19, 2017

    The wealth management industry has had another ear-piercing wake-up call about cybercrime, and the author of this article lays out ideas on how to defeat the hackers.

    Technology – May 8, 2017

    Your correspondent recently attended financial technology giant Temenos’ annual conference and it threw out a range of insights of value for the global wealth industry.

    Philanthropy – April 26, 2017

    Negotiating a successful gift considers both parties� interests and finds the commonalities of intent and opportunity, argues philanthropy advisor and expert Susan Winer.

    Most Read

    More Stories

    Latest Poll



    Gerson Moreno-Riano, Ph #moreno #family #law


    #

    Your browser does not appear to support JavaScript, or you have turned JavaScript off. You may browse our site without enabling JavaScript, but certain functions may not be available.

    Gerson Moreno-Riano, Ph.D.

    Dean; Professor, Government History and Criminal Justice, General Education

    Education

    • B.A. Pre-Seminary Biblical Studies, Political Science (cum laude) – Cedarville University
    • M.A. Political Science, University of Cincinnati
    • Ph.D. Political Science, University of Cincinnati

    Research Interests

    History of political philosophy with an emphasis in late medieval and early modern political ideas, natural law, democratic theory, political theology and ethics, information communication technologies (ICTs) and their impact on citizenship and politics.

    Biography

    Dr. Gerson Moreno-Riano serves as Dean of the Regent University College of Arts Sciences and as an Associate Professor of Government, History, and Criminal Justice .

    Dr. Moreno-Riano has a distinguished scholarly career including serving as a Fellow in the Lehrman American Studies Center, an Academic Fellow in the Foundation for the Defense of Democracies, a Fellow in the Center for the Study of Democratic Citizenship at the University of Cincinnati, and a Visiting Professor in the Department of Medieval Studies, Central European University (Budapest). In 2008, Dr. Moreno-Riano was invited to inaugurate the Iwata Distinguished Lectures in Politics, Economics, and Christian Ethics at Biola University with five endowed lectures. Dr. Moreno-Riano’s areas of expertise include the history of political philosophy with a special emphasis in early modern political ideas, democratic theory, and political theology and ethics. Dr. Moreno-Riano’s publications include five authored/edited books as well as numerous chapters and journal articles in peer-reviewed books and academic journals. His latest publications include the edited The World of Marsilius of Padua (Brepols, 2007) and the co-authored The Prospect of Internet Democracy (Ashgate, 2009). In 2007, Dr. Moreno-Riano was the runner-up in ISI’s Templeton Culture of Enterprise contest for his article “Natural Law and Modern Economic Theory.” Dr Moreno-Riano has given invited and accepted scholarly lectures in various prestigious national and international scholarly conferences. Dr. Moreno-Riano is a member of the American Political Science Association, the Renaissance Society of America, and the Association for Political Theory.

    Dr. Moreno-Riano has been featured in numerous television, radio, and print interviews or publications through such outlets as CBN News, WAVY-TV (NBC local affiliate), AOL News, Voice of America Radio, Voice of America China Bureau, American Family Radio, WCDR Front Page, Washington Post, Washington Times, Cincinnati Enquirer, Richmond Dispatch, South Florida Sun-Sentinel, and Portfolio Weekly.



    Court Information by County – NY City Criminal Court #court, #courts, #new #york, #new #york #state, #new #york #city, #nyc, #nys, #ny, #ucs, #oca, #new #york #state #unified #court #system, #unified #court #system, #office #of #court #administration, #ecourts, #e-courts, #casetrac, #case #trac, #casetrak, #case #trak, #casetrack, #case #track, #future #court #appearance #system, #webcrims, #county, #civil, #family, #housing, #commercial, #supreme, #appeals, #appellate, #claims, #small #claims, #divorce, #law, #litigant, #litigation, #attorney, #lawyer, #cle, #juror, #jury, #jury #duty, #judge, #chief #judge, #justice, #judicial, #judiciary, #legal #forms, #court #rules, #decisions, #jury #charges, #law #libraries, #legal #research, #court #news, #town #court


    #

    Court Information by County

    Administrative Judge
    Hon. Melissa C. Jackson

    Deputy Administrative Judge
    Hon. Alexander B. Jeong

    Chief Clerk
    Justin Barry

    First Deputy Chief Clerk
    Antonio Diaz

    General Information – addresses, telephone numbers, directions, hours of operation. For more information call the NYC Criminal Court Information Line at (646) 386-4500

    BRONX COUNTY (CRIMINAL DIVISION)

    Supervising Judge
    Hon. George A. Grasso

    Borough Chief Clerk
    William Kalish

    Location
    The Bronx Criminal Court is located at 215 East 161st Street, between Sherman Sheridan Avenues and 265 East 161st Street, between Morris Sherman Avenues.

    Public Transportation Directions
    Take the C, D or 4 train to Yankee Stadium/161st Street Station.
    Take the BX 6 or BX 13 to East 161st Street Sheridan Avenue; the BX 1 to East 161st Street Grand Concourse.

    Arraignments[excluding Desk Appearance Tickets (DATs)]
    Monday – Sunday: 9:00 a.m. to 1:00 a.m.
    General Information: (718) 618-2400

    Desk Appearance Tickets (DATs),
    Monday – Friday: 9:00 a.m. to 5:00 p.m. except holidays.
    General Info: (718) 618-2460
    Fax: (718) 537-5164

    Summons Clerk’s Office
    (718) 618-2480

    All other Court Parts,Clerk’s Offices
    Monday – Friday: 9:00 a.m. to 5:00 p.m. except holidays.
    General Information: (718) 618-2460
    Fax: (718) 537-5164

    KINGS COUNTY (Brooklyn)

    Supervising Judge
    Hon. Michael Yavinsky

    Borough Chief Clerk
    Kenneth Fay

    Location
    Kings (Brooklyn) Criminal Court is located at 120 Schermerhorn Street, Brooklyn near Livingston Street Smith Street.

    Public Transportation Directions
    Take the N, R or M train to the Lawrence Street Station; the G train to the Hoyt Street Schermerhorn Street Station; the A, F or C train to the Jay Street Station; the 2, 3, 4 or 5 train to the Borough Hall Station.
    Take the B67, B41 or B45 bus line to Livingston Street Smith Street; the B63 or B65 bus line to Atlantic Avenue Smith Street.

    Arraignments[excluding Desk Appearance Tickets (DATs)]
    Monday – Sunday: 9:00 a.m. to 1:00 a.m.

    Summons Clerk’s Office
    (646) 386-4869

    Desk Appearance Tickets (DATs),all other Court Parts,Clerk’s Offices
    Monday – Friday: 9:00 a.m. to 5:00 p.m. except holidays.
    General Info: (347) 404-9400
    Fax: (718) 643-5234

    MIDTOWN COMMUNITY COURT

    Judge
    Hon. Guy Mitchell

    Deputy Chief Clerk
    Andrew Hassell

    Location
    The Midtown Community Court is located at 314 West 54th Street.

    Public Transportation Directions
    Take the N or R train to the 57th Street Station; the A, C. D, 1, 9 train to the Columbus Circle Station.

    Clerk’s Offices
    Monday – Friday: 9:00 a.m. to 5:00 p.m. except holidays.
    General Info: 646-264-1300
    Fax: 212-952-3064

    NEW YORK COUNTY (Manhattan)

    Supervising Judge
    Hon. Tamiko A. Amaker

    Borough Chief Clerk
    Eric Black

    Location
    The New York (Manhattan) Criminal Court has 2 locations approximately three blocks south of Canal Street. The Criminal Court building at 100 Centre Street is one block from Worth Street near Leonard Street Franklin Street.

    Public Transportation Directions
    Take the No. 4 or 5 train to the Brooklyn Bridge Station; the C, N, R, 6 train to Canal Street; the 1 train to Franklin Street.
    Take the 1, 6 or 15 bus line.

    Arraignments[excluding Desk Appearance Tickets (DATs)]
    Monday – Wednesday: 8:00 a.m. to 1:00 a.m.
    Thursday – Sunday: 9:00 a.m. to 1:00 a.m.

    Summons Clerk’s Office
    (646) 386-4869

    Desk Appearance Tickets (DATs),all other Court Parts,Clerk’s Offices
    Monday – Friday: 9:00 a.m. to 5:00 p.m. except holidays.
    General Info: (646) 386-4511
    Fax: (212) 374-5293

    QUEENS COUNTY

    Supervising Judge
    Hon. Michelle A. Armstrong

    Borough Chief Clerk
    Carey Wone

    Location: The Queens Criminal Court is located at 125-01 Queens Blvd. near Hoover Avenue 82nd Avenue. The Summons Part is located across the street in the Borough Hall Building.

    Public Transportation Directions
    Take the E or F train to the Union Turnpike Station. The Q60, Q37, Q74 and Q46 buses all have stops in close proximity to the Courthouse.

    Arraignments[excluding Desk Appearance Tickets (DATs)]
    Monday – Sunday: 9:00 a.m. to 1:00 a.m.

    Summons Clerk’s Office
    (718) 298-0792

    Desk Appearance Tickets (DATs),all other Court Parts,Clerk’s Offices

    DAT s – Mondays and Tuesdays 9am-1pm, Fridays 9am-5pm. except holidays.

    Clerk s Office- Mon-Fri 9am-4:30pm. except holidays.

    General Info: (718) 298-0792
    Fax: (718) 520-4712

    RED HOOK COMMUNITY JUSTICE CENTER

    Judge
    Hon. Alex Calabrese

    Assistant Deputy Chief Clerk
    Toni Bullock-Stallings

    Location
    The Red Hook Community Justice Center is located at 88-94 Visitation Place, Brooklyn.

    Public Transportation Directions
    The B61 bus stops a half block from the Justice Center, you may take the A,C or F subways to Jay St/Borough Hall and transfer to the B61.

    Clerk’s Offices
    Monday – Friday: 9:00 a.m. to 5:00 p.m. except holidays.
    General Info: (718) 923-8200
    Fax: (718) 923-8269

    RICHMOND COUNTY (Staten Island)

    Supervising Judge
    Hon. Alan Meyer

    Borough Chief Clerk
    Ada Molina

    Location
    The Richmond (Staten Island) Criminal Court Building is located at 26 Central Avenue.

    Arraignments[excluding Desk Appearance Tickets (DATs)]
    Monday – Friday: 9:00 a.m. to 5:00 p.m.
    Saturday and Sunday: 9:30 a.m. to 1:00 p.m.

    Desk Appearance Tickets (DATs),all other Court Parts,Clerk’s Offices
    Monday – Friday: 9:00 a.m. to 5:00 p.m. except holidays.
    General Info: (718) 675-8558
    Fax: (718) 390-8405

    Summons Courts

    Bronx County (Criminal Division)
    215 East 161st Street, Bronx, NY 10451

    Public Transportation Directions
    Take the C, D or 4 train to Yankee Stadium/161st Street Station.
    Take the BX 6 or BX 13 to East 161st Street Sheridan Avenue; the BX 1 to East 161st Street Grand Concourse.

    Summons Clerk’s Office
    (718) 618-2480

    Kings County (Brooklyn)
    1 Centre street, 16th Floor, New York, NY 10007

    Public Transportation Directions
    Take the No. 4 or 5 train to the Brooklyn Bridge Station; the C, N, R, 6 train to Canal Street; the 1 train to Franklin Street.
    Take the 1, 6 or 15 bus line.

    Summons Clerk’s Office
    (646) 386-4869

    Midtown Community Court
    314 West 54th Street, New York, NY 10019

    Public Transportation Directions
    Take the N or R train to the 57th Street Station; the A, C. D, 1, 9 train to the Columbus Circle Station.

    Clerk’s Offices
    General Info: 646-264-1300

    New York County (Manhattan)
    1 Centre street, 16th Floor, New York, NY 10007

    Public Transportation Directions
    Take the No. 4 or 5 train to the Brooklyn Bridge Station; the C, N, R, 6 train to Canal Street; the 1 train to Franklin Street.
    Take the 1, 6 or 15 bus line.

    Summons Clerk’s Office
    (646) 386-4869

    Queens County
    (Queen Borough Hall Building)
    120-55 Queens Blvd, Kew Gardens, NY 11415

    Public Transportation Directions
    Take the E or F train to the Union Turnpike Station.
    The Q60, Q37, Q74 and Q46 buses all have stops in close proximity to the building.

    Summons Clerk’s Office
    (718) 298-0792

    Red Hook Community Justice Center
    88-94 Visitation Place, Brooklyn, NY 11231

    Public Transportation Directions
    The B61 bus stops a half block from the Justice Center, you may take the A,C or F subways to Jay St/Borough Hall and transfer to the B61.

    Clerk’s Offices
    (718) 923-8200

    Richmond County (Staten Island)
    26 central avenue Staten Island, New York, 10301

    Clerk’s Offices
    (718) 675-8558

    Public Transportation Directions

    For more detailed public transportation information directions call the M.T.A. Transit Information Line at (718) 330-1234.



    File Bankruptcy Madison WI #family #law #attorneys #madison #wi


    #

    Debt Advisors Law Offices Madison

    Start Right Now

    Let s have a brief no pressure call to see if our free consultation is right for you. Fill out the form below and we ll get in touch with you right away

    We take your privacy very seriously. We ll never share your information with anyone.

    Directions for your Madison Bankruptcy Lawyer:
    The Dane County Regional Airport is to the West and the State Capitol of Wisconsin is to the Southwest of Debt Advisors Law Offices Madison. Interstates I-94 and I-90 feed into Madison, as do Wisconsin Highway 12, Highway 14, Highway 18, Highway 51 and Highway 151. Exit number 135 to get to High Crossing Blvd. and on to Crossroads Drive. Our building is across from Uno Pizzeria and Grill and on the same side as Fairfield Inn and Suites.

    Communities Surrounding Debt Advisors Madison :
    Some of the residents and businesses we serve are located in the communities of Madison, Monona, Shorewood Hills, Middleton, Five Points, Verona, Fitchburg, McFarland, Burke, Westport, Sun Prairie, Cottage Grove, Portage, Waunakee, Token Creek, Deansville, Marshall, Deerfield, Door Creek and Bakers Corners.

    Counties in and around Madison WI:
    Debt Advisors Madison Office is located in Dane County, Wisconsin. We also serve the surrounding areas of Rock County, Lafayette County, Iowa County, Sauk County, and Columbia County.

    Residents who live or work near our state capitol in Madison will have questions about bankruptcy much like residents across the state of Wisconsin. Questions like, what are the different types of bankruptcy and how do they differ? Can one spouse of a married couple file for bankruptcy? How long will it take to beging to build a better credit score after filing bankruptcy? How can bankruptcy save my home? How can bankrutpcy stop vehicle reposession? How long does bankruptcy take? How much does bankruptcy cost?

    On this website, we can provide some basic guidelines, but the best advice will come from your free consultation with a Madison Bankruptcy attorney at Debt Advisors Law Offices Madison. Through our consultation and formal meetings, we ll get to all of your questions and share some benefits of fliing bankruptcy in Wisconsin. We ll explain some pros and cons of filing bankruptcy so that you can make the best financial decision for your family. The same services are available at any of our six Wisconsin locations.

    Reviews by Google Users

    I was at a dead end, and didn’t know what to do. I met with Debt Advisors, and I was put at ease, and walked out feeling as if 100lbs was lifted off my shoulders. After it was all said and done, I had a fresh start. Everyone was so helpful everytime I called with questions (which was a lot! lol) Thank you so much for all that you did. 3 you guys! *Jennifer

    I called for an appointment, because I thought the only solution to my financial problems was bankruptcy. When I first arrived I felt embarrassed to be in my situation. The embarrassment only lasted for a moment as I was immediately put at ease by the completely sympathetic understanding of my situation. Turned out I had an alternative and filing bankruptcy was not necessary. The folks at Debt Advisors helped me put together a financial plan for my future and I can now see “light at the end of the tunnel”. Thank you Debt Advisors. WR Franklin, WI

    Mr. Georg, Just want to thank you again or all your help, support and encouragement. We truly appreciate everything. You are a wonderful and kind person. May you be blessed for all you do.

    Milwaukee Bankruptcy attorneys are plentiful. I found it hard to choose a firm that could really help me and treated me with respect and gave me the guidance that I needed. I was lucky to find Debt Advisors, Attorney Georg put me at ease immediately and was available every time I had a question. The case proceeded smoothly and it feels great to finally be debt free!

    I checked out some other firms before hiring Attorney Georg at Debt Advisors. He seemed a lot more knowledgeable than any one else I consulted with. I was very nervous, and Mike actually showed compassion and understanding for my situation. I can honestly say that hiring Debt Advisors for my bankruptcy was one of the best decisions I have ever made.

    Follow Us On



    Library Locations – Wisconsin State Law Library #family #law #attorneys #madison #wi


    #

    Courthouse
    Dane County Law Library
    215 S Hamilton St
    Room L1007
    Madison WI 53703
    Map

    The Wisconsin State Law Library exists to serve the legal information needs of the officers and employees of this state, attorneys and the public by providing the highest quality of professional expertise in the selection, maintenance and use of materials, information and technology in order to facilitate equal access to the law.

    “The Supreme Court shall maintain a state law library for the use of the officers and the employees of this state, attorneys and the public” Wisconsin Statutes sec. 758.01 SCR 82.01

    Wisconsin State Law Library

    The State Law Library s collection, consisting of approximately 140,000 volumes in print, microfilm, microfiche, audio, video and CD-ROM formats, contains primary law for all federal and state jurisdictions as well as practice materials for all major areas of law. The Library also subscribes to a variety of electronic resources available via the Internet. Special collections include Appendices and Briefs for the Wisconsin Supreme Court and Court of Appeals, and the Judicial Council collection.

    Founded with the Wisconsin Territory by an Act of Congress in 1836, the Wisconsin State Library, as it was then known, is the oldest library in the state. It was created to serve the needs of the territorial legislature. In 1876 it became part of the judicial branch, and so remains today as an agency of the Wisconsin Supreme Court. By law the Wisconsin State Law Library serves officers of the court, government employees, attorneys and the public. (WI Statutes s. 758.01 ; Supreme Court Rule 82.01 ). A timeline is available. The Wisconsin State Law Library’s downtown Madison location was named the David T. Prosser, Jr. State Law Library in 2016.

    Milwaukee County Law Library

    414-278-4900
    Fax: 414-223-1818

    Courthouse
    Room G8
    901 North 9th St
    Milwaukee WI 53233-1425

    The MCLL collection contains Wisconsin primary legal materials, as well as State Bar of Wisconsin CLE practice books and other secondary legal materials. The library also has federal materials, such as the United States Code Service . a core collection of treatises, Milwaukee City ordinances, general reference books, and some titles aimed at the non-lawyer.

    The library has three public computers with access to free Westlaw, the Internet, the Wisconsin State Law Library catalog (including MCLL titles), and a word processing program.

    Dane County Law Library

    215 S Hamilton St
    Room L1007
    Madison WI 53703
    Map

    DCLL collects most current primary Wisconsin legal resources: statutes, administrative code, and Wisconsin Reports. as well as local Madison and Dane County Ordinances. In addition, DCLL retains all old statutes and session laws, and collects Attorney General opinions, court rules, and selected Wisconsin legal periodicals. DCLL also has a Wisconsin treatise collection containing State Bar of Wisconsin CLE practice books and other secondary resources.

    Our Mission

    The Wisconsin State Law Library exists to serve the legal information needs of the officers and employees of this state, attorneys and the public by providing the highest quality of professional expertise in the selection, maintenance and use of materials, information and technology in order to facilitate equal access to the law.

    Follow us on Google+

    Popular Library Services



    Use OFW’s Mobile Apps on your smart device #my #family #app


    Use OFW’s Mobile Apps on your smart device.

    Streamline co-parenting with the new app from the Our Family Wizard website. The OFW app gives you the ability to access all of your parenting calendars, visitation schedules, events, messaging and more from your iPhone®, Android®, KindleFire® or Blackberry® device.

    Easy to use and quick to connect to your OurFamilyWizard account.

    Through the website, Our Family Wizard subscribers get access to a full set of co-parenting tools including: color-coded parenting calendars, secure messaging, family information storage (immunizations, important contacts and more), shared expense payment and management and so much more.

    • Easily coordinate your shared parenting time schedules while keeping accurate records with the OurFamilyWizard calendar.

    • More confidence in requesting parenting time trades through the OurFamilyWizard calendar trade function.

    • You don’t have to worry if an email got to where it needed to go anymore with the safe and secure OurFamilyWizard message board.

    All entries made on the OFWapp have the same degree of documentation that you would expect from the full Our Family Wizard website. Additional updates will be made regularly to provide even greater connectivity to your Our Family Wizard account.

    Since 2001, the OurFamilyWizard website® has been setting the standard for co-parents who wish to manage all aspects of their shared parenting agreement online and all in one place. The OurFamilyWizard website® is so effective that judges in all 50 states, Washington D.C. and 6 Canadian provinces have ordered families to utilize the site in contested cases to reduce family conflict after divorce or separation.

    Why not take the step to create a better life for you and your co-parenting family? Join the tens of thousands of families in over 38 countries who already have made the decision to improve their life by using the OurFamilyWizard website®.

    *****You must be an Our Family Wizard subscriber to use this App.********

    Use the OFW® software suite on your smartphone TODAY!

    Select your platform from the links below and start using OFW® at home and on the go! 1

    1 An active OFW® subscription is required.



    Best Saint Louis, MO Family Law Attorneys #family #law #attorney #st #louis


    #

    Top Rated Family Law Lawyers in Saint Louis, MO

    Saint Louis, MO Family Law Lawyers

    Family Law

    Given that family law has both federal and state components, rules and regulations that govern this field can be complex.

    Family laws pertain to divorce, adoption, child custody, support and abuse, reproductive rights, domestic violence, division of property.

    These statutes vary from state to state and navigating them often require the skill and expertise of a skilled attorney.

    Avoid common pitfalls and protect your family and legal rights.

    Find a top rated attorney who has comprehensive knowledge of family law in your state along with many years of experience and a great record.

    Super Lawyers offers a free, comprehensive directory of accredited attorneys who ve attained a high-degree of peer recognition and professional achievement in their field.

    Use Super Lawyers to hire a local family law attorney today.

    Are you searching for a top family law lawyer in Saint Louis, Missouri?

    Through Super Lawyers directory, we index attorneys who practice quality and excellence in their work. It is easy to browse family law attorney listings in your immediate area, search for a specific individual referred by a friend, or start narrowing your search by practice area.

    Did you find individuals who interest you? Learn more by exploring their profiles. There you will find a family law attorney’s contact, education, and biographical information to supplement your research. Where possible, our profiles will also include links to a family law lawyer’s personal biography, firm website, and other relevant information to consider.

    Are you ready to take action? Our profile’s contact form is simple to use and makes it easy to connect with a Saint Louis, Missouri lawyer and seek legal advice.

    Super Lawyers Rating System

    Super Lawyers is a research-driven, peer-influenced rating service of outstanding lawyers who have attained a high degree of professional achievement and peer recognition. The patented selection process combines peer nominations, independent research evaluations and peer evaluations by practice area. Each year no more than 5 percent of the attorneys in the state are selected for the Super Lawyers list, and no more than 2.5 percent for the Rising Stars list.

    About Super Lawyers

    Super Lawyers is a rating service of outstanding lawyers from more than 70 practice areas who have attained a high-degree of peer recognition and professional achievement. This selection process includes independent research, peer nominations and peer evaluations. Learn More »



    Douglas family dentistry fayetteville nc #douglas #family #dentistry #fayetteville #nc


    #

    Dr. Douglas Scarboro DDS

    Specialties Expertise

    Dr. Douglas Scarboro has the following 9 areas of expertise and 1 specialty.

    A dentist is a doctor who diagnoses and treats oral health issues. The most basic services dentists provide are preventative and regular maintenance treatments such as cleanings, fluoride treatments, X-rays (to look for cavities), cavity fillings. He or she also provides advice on proper brushing, flossing, and rinsing for the prevention of plaque buildup.

    See areas of expertise for treating specific conditions, procedures and surgeries for this doctor.

    Health Guides

    Get the facts about chronic obstructive pulmonary disease (COPD), including symptoms and complications.

    view care guide

    more health guides

    Locations Directions

    The Smile Center

    526 Sandhurst Dr

    Fayetteville. NC 28304

    Douglas J Sprung

    Lake Mary. FL 32746

    Nearby Dentists

    Dr. Douglas Scarboro, DDS is similar to these 3 Dentists near Fayetteville, NC.

    Have you visited Dr. Douglas Scarboro

    Share your experience

    By clicking a star above, I agree to the Terms of Use and verify that I have received treatment from this dentist.

    I haven’t visited this dentist yet.

    Specialties

    Conditions

    Professionals

    Facilities

    Care Guides

    find doctors by name

    Copyright 2017 Vitals. US Patent No. 8, 694, 441. All Rights Reserved.

    As more fully set forth in this website’s terms of use. (1) nothing contained on or offered by or through this website should be construed as medical advice and should not be relied upon for medical diagnosis or treatment. MDX Medical, Inc. (“MDX”). the provider of this website, does not recommend or endorse any particular healthcare provider whose information or ratings appear on this website; and (2) MDX has granted you a limited license to access and use this website for your own noncommercial use. You are not permitted to copy, reproduce, distribute, transmit, mirror, frame, scrape, extract, wrap, create derivative works of, reverse engineer, decompile or disassemble any part or aspect of this website.



    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.



    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


    #

    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”:



    McCormack Family Law #cleveland #family #lawyer, #ohio #family #lawyer, #divorce #lawyer, #dissolution #of #marriage, #child #custody, #child #support, #international #child #custody, #visitation, #parenting #plans, #property #division, #division #of #pension #benefits, #separation #agreement, #spousal #support, #alimony, #thomas #mccormick, #tom #mccormick


    #


    Thomas A. McCormack
    1950-2017
    Thomas McCormack passed away on March 13, 2017, the one and only of Carin; beloved by daughter Anna and granddaughter Flannery; cherished son and brother; favored uncle and A-1 in-law. A lawyer by calling and, in his very being, a generous and humane friend, guide, champion unsung in the wide world, inscribed in many hearts. ‘He was a man. Take him for all in all.’ We were the lucky ones. A better man could not be found. Tom dedicated his practice to child custody, divorce, child support and related matters in Greater Cleveland and Northeast Ohio.

    REPRESENTING YOU

    Thomas McCormack dedicates his practice to family law, divorce, child custody, child support and related matters in Greater Cleveland and Northeast Ohio.

    Commitment: To prevent problems and resolve family law issues in ways that cause the least conflict and cost for clients.

    Perspective. People get better outcomes when they participate in their own cases to constructively resolve issues and move forward.

    Experience: Thirty years – more than seven as a trial magistrate hearing thousands of divorce, child custody, child support, spousal support, pension division and property division cases— a record of strong advocacy and thorough, practical knowledge of how family law and the courts work. More about Tom McCormack

    Free initial consultation. 216.664.0792

    A FOCUS ON MARRIAGE

    REARRANGING YOUR LIFE

    Whether your marriage is ending or just beginning, it makes sense to anticipate the future, understand what the law says, and head off problems. Free initial consultation: 216.664.0792

    PLAN A MARRIAGE

    Pre-nuptial agreements. Begin a life partnership with clear understandings and all interests protected. If either partner has significant holdings, a prenuptial agreement can preserve the property and identify the rights of each person if the marriage ends.

    END A MARRIAGE

    Separation, divorce, dissolution, annulment. How you go about ending your marriage is usually up to you. You have choices .
    And you may face important decisions about how to:

    Custody, parenting time, visitation, support, companionship rights. The aim is to divide rights and responsibilities fairly to serve each child’s best interests. This includes child support .

    Real estate, possessions, money, securities, pension plans. The aim is to arrive at a fair property division .

    Ohio has no formula for calculating support but courts tend to adopt similar approaches to spousal support .

    Post-decree modifications. After a marriage formally ends, new or continuing financial and child-related issues may need to be settled.

    ANSWER VIOLENCE

    Civil protection orders and temporary protection orders for adults and children.

    CONSTRUCTING A BETTER FUTURE

    Children seldom are able to protect themselves. Safeguarding the interests of children is an area of special concern in my practice. The goal is creating solutions that work for kids when the challenge is to:

    TAKE CARE OF CHILDREN

    Parental rights and responsibilities, child custody, parenting time. Ohio law puts children first. The test for decisions about parenting is whether they serve children s best interests .

    Child support and health care. Ohio courts calculate child support by a formula. Health insurance or cash medical support and income tax exemptions also figure in child support .

    EXTEND FAMILY RELATIONSHIPS

    Grandparent and step-parent companionship rights, custody, adoption. In some cases, the law recognizes non-parents rights .

    RESOLVE JUVENILE COURT ISSUES

    Proceedings in juvenile court, defense of children, neglect or dependency proceedings, paternity and parenting issues between unmarried parents .

    free initial consultation: 216.664.0792



    New York Divorce Lawyer – New York City Family Law Attorney – Ingrid Gherman, P #call #(212) #941-0767, #ingrid #gherman, #p.c. #is #dedicated #to #helping #individuals #and #families #with #family #issues #including #divorce #and #family #law #cases.


    #

    New York Divorce Lawyer

    If you are contemplating a separation or divorce in New York or if you or your spouse is contesting the custody of your children, you are entitled to receive fast and effective legal solutions that restore your peace of mind.

    New York divorce lawyer Ingrid Gherman will help you find the legal solutions to get your life back on track. She has been a practicing matrimonial attorney for over 30 years. Knowledgeable, determined, and compassionate, Ingrid Gherman is committed to guide and protect you and your family during the entire separation and divorce process. She will help you understand your legal rights and legal choices in detailed and easy to understand terms and will work tirelessly with you to achieve the best possible results as quickly and cost-effectively as possible. Ingrid Gherman is the matrimonial lawyer you should turn to, whether your case requires a sharp courtroom litigator or an agile negotiator who can guide the amicable process of mediation.

    If you need a divorce lawyer or child custody attorney in New York City and vicinity, speak to one who has long years of experience and who will work with determination and expertise, contact Ingrid Gherman at (212) 941-0767 or send in the on-line inquiry form .

    Beyond her thorough understanding of all aspects of matrimonial law, Ingrid Gherman is particularly known for her caring and compassion for her clients. She is always seeking a result that is in the best interest of the children in the middle of parents bitterly contested custody cases and is devoted to the belief that justice be done.

    Justice does not always coincide with the matrimonial laws and Court Orders. However, as a family law attorney ardently committed to fairness, Ingrid Gherman can help bridge that gap and find ways to bring about a just outcome for her clients and their children especially one that protects and enforces the all the legal rights available to her clients.

    A divorce lawyer who listens

    You have a story to tell and New York divorce attorney Ingrid Gherman wants to hear it. Every divorce or family law case is unique and specific. In the initial consultation, she takes the time to listen to your unique family situation, and gathers the facts of your case. Only after assessing your very particular issues, problems, and circumstances, will all the legal options open to you become apparent. Ingrid will explain those options to you in your very first consultation. She goes beyond what is expected of a busy New York City attorney. She will answer your questions and address your concerns and will explain New York family and matrimonial law in clear and easy to understand manner and how the law applies to your case. She will also describe your legal strategy and discuss your options, from the most aggressive litigation to the fastest and most efficient ways to negotiate a successful amicable settlement and proceed to file your uncontested divorce in the NY Supreme Court. Added to this, are her long-years of experience winning appeals in matrimonial cases in the Appellate Division. Whatever the best way to conduct your case, Ingrid considers it her obligation to walk her clients through every stage and nuance of the legal process of separation, divorce, or child custody disputes in the Family Courts and the Supreme Courts.

    Discover your options: Schedule a consultation with Ingrid Gherman today

    The first consultation with Ingrid Gherman will be devoted exclusively to your particular case. It is not a standardized conference done by rote. It is important that you bring all your legal documents to this consultation. You will come away from that meeting with a very clear understanding of the issues of your case and what legal paths are open to you. If you choose to retain New York divorce lawyer Ingrid Gherman as your attorney, she has the experience to see the divorce process successfully through to the end. Do you have a matrimonial problem, which needs resolution? Contact Ingrid Gherman for a consultation at:
    (212) 941-0767 or fill out the on-line form .

    • Definition of “Parent” Evolves to Include Same-Sex Couples, Thanks to New York’s Highest Court Under New York law, both of a child’s parents have rights regarding custody and visitation, as well as obligations regarding support. As the legal
    • State Supreme Court Overturns Ban on Same-Sex Foster Parents The right of same-sex couples to marry has been the law of the land throughout the United State for almost two years, when the U.S. Supreme Court
    • New York Maintains Complicated Laws Regarding the Secrecy of Adoption Records Adoptions often end joyfully with the creation of a new family, but they often originate from tragedy. A child in an adoption proceeding may have been


    Mega Insurance Center Inc #insurance #23229, #homeowner #insurance #23229, #insurance #richmond, #financial #services, #car #insurance, #homeowner #insurance, #business #insurance, #commercial #insurance, #health #insurance, #medicare, #medigap, #save #money, #life #insurance, #buy #sell #agreements, #workers #compensation, #employers #liability, #liability #insurance, #restaurant #insurance, #electrician #insurance, #contractor #insurance, #mega #insurance, #mega, #insurance #quote, #quotes, #investments, #savings, #go #mega, #family #insurance, #universal #life, #term #life #insurance, #annuity, #indexed #life


    #

    Saving money is a vital concern for nearly everyone. Because of this, it is important that you find the best possible rates for your insurance policies with coverage from the top companies. Luckily, it is much easier to find a great rate for insurance now more than ever before.

    In the past, you were pretty much stuck accepting whatever type of insurance your agent could find for you. Then, around ten years ago, nearly every insurance company started offering their product online. Soon after, people started feeling as though they were insurance experts and handled their polices online themselves. This wasn’t a bad thing—in many cases. However, there are downfalls to working directly with the insurance companies.

    In many cases, insurance customers do not understand what type of coverage they need. They take the lowest possible rate, without looking into the repercussions that could be caused. This is fine and good—until the time comes that they need to get something back from the insurance company.

    Because of this, working with an independent agency is actually still a superior way to obtain insurance. Our office can help you get the coverage you need at a price you can afford. Additionally, we now offers features that make it even easier! For instance, you can compare insurance quotes online right from our website! Just follow links above to get rates on auto . home . life and, you can even buy online if you choose! Don’t worry, we’ll double check your work and make sure you didn’t miss anything 🙂 It’s all a part of what it means to Go Mega !

    Unlike trying to compare by visiting each site yourself, using one of these tools means that you are comparing apples to apples. Therefore, not only are you paying as little as possible, you are still getting the type of coverage you need. Spend some time researching the options, and then let us make things easy for you and save you money too!

    Mega Insurance Center Inc | Website Development by EZLynx Copyright . All Rights Reserved.



    How to Lend Money to Family and Friends – US News #installment #loans #for #bad #credit


    #money loan
    #

    How to Lend Money to Family and Friends

    Take the necessary precautions to preserve the relationship.

    When Sarah Lee Marks’s friend needed help with a down payment on a house. Marks and her husband loaned her the money. The couple drew up a written agreement, specifying a set calculation for the interest, the payment schedule, a per diem for any late payments, and a time frame for when the loan was to be paid off. The loan was a better deal than what her friend would have gotten from a bank. This was someone who’s more like a family member than a friend, that’s how close we are to her, says Marks, an automobile salesperson who lives in Las Vegas. It was a very important part of her life, and I wanted to help her with it.

    Like Marks’s friend, many people turn to friends and family over banks when looking for a way to finance a house, buy a car, or fund a business. According to a 2011 report by the National Association of Realtors, 7 percent of home buyers received a loan from a relative or friend to finance their home. And 14 percent of business owners last year reported tapping friends and family for loans to cover their costs, according to the National Small Business Association.

    Family and friends will often provide loans at a lower interest rate than banks, and the deal enables borrowers to avoid additional fees tacked on by traditional lenders.

    But for these loans to work, people should take steps to ensure the agreements are as businesslike as possible, experts say. Here are ways to broker the deal safely and avoid harming the relationship:

    Put everything in writing. You might be tempted to settle for a verbal agreement since it’s with someone you’re close to, but this leaves too many variables open to chance, says Thomas Fox, community outreach director at Cambridge Credit Counseling. Putting the loan in writing will enable both parties to treat it as a business arrangement. The agreement should spell out the terms, including any interest, what installments the money will be paid in, the penalty for late payments, and what course of action will be taken if the recipient defaults. Consider using a promissory note form from the Internet Legal Research Group, which provides state-specific notes.

    You can also have the document notarized, says Gail Cunningham, vice president of membership and public relations at the National Foundation for Credit Counseling. Doing so will give you more legal standing if the borrower defaults, she says.

    Communication is key. Good communication should start at the beginning, says Fox. The lender should say to the borrower at the outset, ‘If you run into trouble with paying me, come to me,’ he advises. Setting up weekly or monthly phone conversations to talk about any issues or concerns is a good way to ensure both parties are on the same page.

    Being proactive and transparent is even more important with friends and family, because there’s more at risk personally, says Meg Hirshberg, an Inc. magazine columnist and author of For Better or For Work: A Survival Guide for Entrepreneurs and Their Families. These are people you have Thanksgiving with. These are the people you see at the sidelines of the soccer game. These are the people in your life, and it’s very important that those relationships not get imperiled.

    Don’t loan with too little interest. The IRS requires intra-family loan rates to reflect the current commercial loan market. If your loan requires little or no interest, you may be required to pay taxes, Cunningham says. Follow the IRS guidelines for interest rates to avoid these taxes. As of August, the Applicable Federal Rate, the minimum rate considered acceptable by the IRS, for loans between family members was 0.25 percent for terms less than three years, 0.88 percent for a three- to nine-year loan, and 2.21 percent for more than nine years.

    If you’re loaning money for someone’s mortgage, use NationalFamilyMortgage.com to take advantage of tax benefits, suggests Asheesh Advani, author of Business Loans from Family Friends: How to Ask, Make It Legal Make It Work .



    Riverside Family Law Lawyers – Local Attorneys & Law Firms in Riverside, CA #riverside #family #lawyer


    #

    Riverside Family Law Lawyers, Attorneys and Law Firms – California

    Need help with a Family Law matter in Riverside?

    Riverside family lawyers help with your domestic legal needs including divorce, child custody, juvenile issues, or support payments. Family law firms in Riverside are experienced with cohabitation, prenuptial agreements, and other family-related legal matters under California law. Use FindLaw to hire a Riverside family lawyer to resolve your family legal issues whether you are in Downtown Riverside or elsewhere in the Inland Empire.

    Need an attorney in Riverside, California?

    FindLaw’s Lawyer Directory is the largest online directory of attorneys. Browse more than one million listings, covering everything from criminal defense to personal injury to estate planning.

    Detailed law firm profiles have information like the firm’s area of law, office location, office hours, and payment options. Attorney profiles include the biography, education and training, and client recommendations of an attorney to help you decide who to hire.

    Use the contact form on the profiles to connect with a Riverside, California attorney for legal advice.

    How do I choose a lawyer?

    Consider the following:
    Comfort Level – Are you comfortable telling the lawyer personal information? Does the lawyer seem interested in solving your problem?
    Credentials – How long has the lawyer been in practice? Has the lawyer worked on other cases similar to yours?
    Cost – How are the lawyer’s fees structured – hourly or flat fee? Can the lawyer estimate the cost of your case?
    City – Is the lawyer’s office conveniently located?

    Not sure what questions to ask a lawyer?

    Here are a few to get you started:

    • How long have you been in practice?
    • How many cases like mine have you handled?
    • How often do you settle cases out of court?
    • What are your fees and costs?
    • What are the next steps?

    Want to check lawyer discipline?



    Riverside Family Law Lawyer – Attorney Debra A #family #law, #attorney, #lawyer, #riverside


    #

    Family Law

    Family law is a field of law that deals with a number of issues, all related to people, their children and their property. These types of matters can be highly complex, but even if not, they are often emotionally charged, as the outcome of the case can literally affect an individual s life for many years to come.

    In today s society, divorce and related family law issues are more common than many would like to see. People from all walks of life can find themselves in need of dissolution, custody determinations, or financially critical support and property division orders. Although divorce and custody can be emotionally difficult and stressful, we are here to help. The Law Office of Debra A. Smith has been representing people from all walks of life in the Inland Empire for thirty years, and is familiar with the local courts, judges, mediators and their ever changing policies and procedures.

    With the ready availability of do-it-yourself legal documents these days, many people are tempted to go through their divorce proceedings without legal representation. Although you can do this, it is not simple, and we strongly advise against it if there are contested custody, support or property division matters in your case. There are potential pitfalls in every aspect of divorce and custody, and the cost of an attorney is usually minimal compared to the benefits one receives with effective representation. Without legal experience, it is easy to make costly and sometimes life changing mistakes.

    When faced with uncertainties in these critical areas of life, you need the clear advice and strength of an experienced attorney skilled in protecting and preserving your rights. We are well aware of how important these matters are to you and your family, and it is our objective to assure that your wishes are heard and acknowledged, all while helping you avoid costly pitfalls and obtaining the best results possible.

    To learn more about how our experienced legal team can assist you in protecting you, your family and your finances, please contact our office to schedule a complimentary consultation.

    Debra gave me Justice

    Debra is an amazing attorney. We had court yesterday and I feel like a small sense of justice has finally been given to me. She was amazing, like a lion tamer. I am very lucky to have found her as my attorney and to represent me in this awful matter. Her staff is great, very personable and friendly. I would HIGHLY recommend Debra to anyone looking for a top notch Family Law Attorney! – Jessica

    Extremely Agressive!

    Ms. Smith helped me with my custody case. I was very nervous and had no idea what to do or expect until I met with her. She explained the entire process to me and put me at ease. When my court day came up, she had everything in order and was extremely aggressive, professional and just what I needed. – Skylar

    Had Enough? Book Series

    • A three volume set that exposes the often hidden world of emotional and physical abuse as it exists in our society today; from its inception in a relationship, to its eventual depression or even destruction of the victim. Written by attorney Debra A. Smith, the books are full of first person narratives that describe actual abusive situations with chilling clarity, demonstrating the entire spectrum of abuse from verbal, to emotional, to physical. The series provides effective methods to assess an abusive situation and formulate a plan to escape it. The books are riveting reading, connecting with the abuse victim on a decidedly personal and realistic level.

    Order Books

    The Law Offices of Debra A. Smith

    3595 Van Buren Blvd # 207
    Riverside, CA
    (951) 780-5300

    Copyright © 2017 Debra A. Smith, Web Out There and its licensors. All Rights Reserved



    Family Loans: Does The IRS Care If I Lend My Kids Money? TaxAct Blog #home #loan


    #interest free loans
    #

    Family Loans: Does The IRS Care If I Lend My Kids Money?

    You might lend your kids money from the time they are little to buy a bicycle, to get that first car, or to buy a house.

    Does the IRS have anything to do with these family loans?

    For small loans, the answer is no.

    The IRS isn t concerned with most personal loans to your son or daughter. They don t care how often you make loans, whether you charge interest, or if you ever get paid back.

    However, there are exceptions.

    Interest-free loans

    If you loan a significant amount of money to your kids, say, enough to buy a house, it s important to charge interest.

    If you don t, the IRS can determine that interest you should have charged was a gift. (In addition, the borrower may be more motivated to actually pay you back if there s interest involved!)

    The rate of interest on the loan must be at least as high as the minimum interest rates set by the IRS .

    You don t have to worry about skipped interest being subject to gift tax rules unless the interest you should have charged, combined with other gifts to the same person, exceeds $14,000 in 2013.

    Loans that are really gifts

    Some people may think they can give large amounts of money to their children and say it s a loan, thus avoiding the hassle of filing a gift tax return .

    The IRS is wise to that.

    The loan must be legal and enforceable, or the whole thing may be deemed a gift.

    Fortunately, it s easy to make a loan legal.

    Write a note that shows the loan amount, when it will be paid, the rate of interest, and any collateral or security (such as a car).

    Have both parties sign the note, and keep it in a safe place.

    For very large loans, or for loans attached to real estate, seek legal counsel to make sure you re covered.

    Student loans for tuition

    You can make student loans to your kids by drawing up a contract like any other loan.

    When they graduate and start making payments to you, you will pay tax on the interest income, and the kids can take the student loan interest deduction .

    Take a bad debt deduction if your child doesn t pay you back

    One of the advantages of writing up a loan contract is that if your child doesn t pay, you can take a deduction for a nonbusiness bad debt.

    In addition, you don t have to pay gift tax on the amount, as you would if you had given the money outright.

    To take a bad debt deduction, you must prove that you tried to collect the debt.

    The debtor should make a written statement that he or she cannot pay, and include a good reason, such as unemployment.

    Filing a gift tax return for a loan

    If I have to file a gift tax return for a loan that the IRS determines is really a gift, will I owe gift tax?

    Probably not.

    You only owe gift tax when your lifetime gifts to all persons exceeds the lifetime gift tax exclusion ($5,250,000 in 2013).

    For most of us, that means we re safe.

    Other family loans that are safe from tax consequences

    • You lend a child $10,000 or less, and the child does not use the money for investments, such as stocks or bonds.
    • You lend a child $100,000 or less, and the child s net investment income is not more than $1,000 for the year.


    Family Loans: Does The IRS Care If I Lend My Kids Money? TaxAct Blog #short #term #payday #loans


    #interest free loans
    #

    Family Loans: Does The IRS Care If I Lend My Kids Money?

    You might lend your kids money from the time they are little to buy a bicycle, to get that first car, or to buy a house.

    Does the IRS have anything to do with these family loans?

    For small loans, the answer is no.

    The IRS isn t concerned with most personal loans to your son or daughter. They don t care how often you make loans, whether you charge interest, or if you ever get paid back.

    However, there are exceptions.

    Interest-free loans

    If you loan a significant amount of money to your kids, say, enough to buy a house, it s important to charge interest.

    If you don t, the IRS can determine that interest you should have charged was a gift. (In addition, the borrower may be more motivated to actually pay you back if there s interest involved!)

    The rate of interest on the loan must be at least as high as the minimum interest rates set by the IRS .

    You don t have to worry about skipped interest being subject to gift tax rules unless the interest you should have charged, combined with other gifts to the same person, exceeds $14,000 in 2013.

    Loans that are really gifts

    Some people may think they can give large amounts of money to their children and say it s a loan, thus avoiding the hassle of filing a gift tax return .

    The IRS is wise to that.

    The loan must be legal and enforceable, or the whole thing may be deemed a gift.

    Fortunately, it s easy to make a loan legal.

    Write a note that shows the loan amount, when it will be paid, the rate of interest, and any collateral or security (such as a car).

    Have both parties sign the note, and keep it in a safe place.

    For very large loans, or for loans attached to real estate, seek legal counsel to make sure you re covered.

    Student loans for tuition

    You can make student loans to your kids by drawing up a contract like any other loan.

    When they graduate and start making payments to you, you will pay tax on the interest income, and the kids can take the student loan interest deduction .

    Take a bad debt deduction if your child doesn t pay you back

    One of the advantages of writing up a loan contract is that if your child doesn t pay, you can take a deduction for a nonbusiness bad debt.

    In addition, you don t have to pay gift tax on the amount, as you would if you had given the money outright.

    To take a bad debt deduction, you must prove that you tried to collect the debt.

    The debtor should make a written statement that he or she cannot pay, and include a good reason, such as unemployment.

    Filing a gift tax return for a loan

    If I have to file a gift tax return for a loan that the IRS determines is really a gift, will I owe gift tax?

    Probably not.

    You only owe gift tax when your lifetime gifts to all persons exceeds the lifetime gift tax exclusion ($5,250,000 in 2013).

    For most of us, that means we re safe.

    Other family loans that are safe from tax consequences

    • You lend a child $10,000 or less, and the child does not use the money for investments, such as stocks or bonds.
    • You lend a child $100,000 or less, and the child s net investment income is not more than $1,000 for the year.


    Friends and Family loans at Great Rates – Get a Loan Today! #auto #loan #calculators


    #loan today
    #

    Get a Friends and Family Loan

    The loan you need with help from friends and family

    At Prosper, we make borrowing from friends and family worry-free. We understand that applying for a personal loan from a bank can be a difficult chore. By joining Prosper, you can create a listing to request a loan, then invite your friends and family to join as lenders so they can assist you by bidding on your listing. You get the money you need, and we manage all of the details. Your payments can be automatically deducted from your bank account every month at no additional charge. Best of all, there are no pre-payment penalties and no hidden fees.

    All Prosper loan transactions are entirely online, so you can securely check the progress of your loan anywhere you can access the Internet.

    Use Prosper for friends and family borrowing without the awkwardness

    Often, loans among friends or relatives can lead to awkward situations if payment deadlines are missed due to miscommunication. Prosper can help eliminate any uncomfortable conversations, since your friends and family can check the status of your repayments any time on the Prosper site. Meanwhile, you can sit back and relax while fixed monthly payments are automatically distributed back to your loved ones.

    Prosper is the perfect forum for family members to loan you money. There’s no cost to post a listing, or for your friend or family member to become a lender. Depending on your qualifications, you may be able to borrow up to $25,000.

    Use your friends and family loan to: 

    • Consolidate debt
    • Buy a new car
    • Fix up your home
    • Engagement rings and weddings
    • Vacations, gifts and more

    When you have great friends and family, you shouldn’t have to struggle through all the hoops of the old way of borrowing.  Apply now. It’s fast, easy, and free. The Prosper community marketplace is here to help people just like you.

    Does my credit score affect my loan? 

    Yes. Most lenders will look at your credit history, and Prosper lenders are no exception. If you are sure you have bad credit, you may want to consider improving it before you apply. If you are not sure of your credit score, we can help you find out now. for free, with no obligation.

    The Prosper community does not require “perfect credit.” If you have an average to an above average credit rating, one way to expedite your loan funding is to ask another Prosper member (especially a lender) to endorse you. Don’t know any other Prosper members personally? Invite a friend to join .



    Sample promissory note for loans to family, friends #title #loan


    #loan agreement
    #

    Sample promissory note for loans to family, friends

    By Tony Mecia

    If you’re lending to a relative or friend. you’ll want to craft a written agreement. This sample promissory note (also available in Microsoft Word. PDF and plain text downloadable files) spells out how and when you are to be paid, and what happens if the borrower doesn’t repay the loan. Scroll to the bottom for a blank repayment schedule that you can fill in.

    Having a note won’t guarantee you’ll be repaid, but it does help clear up ambiguities and serves as evidence if you ever decide to take the borrower to court.

    PROMISSORY NOTE

    $________(AMOUNT) __________________(DATE)

    FOR VALUE RECEIVED, the undersigned, (the Maker ), hereby promises to pay to the order of ____________________ (LENDER NAME) ( Payee ), the principal sum of $ ____________ pursuant to the terms and conditions set forth herein.

    PAYMENT OF PRINCIPAL. The principal amount of this Promissory Note (the Note ) and any accrued but unpaid interest shall be due and payable in ____________ (NUMBER OF PAYMENTS) (CIRCLE ONE: equal monthly installments / equal quarterly installments / payments as described below) beginning ___________________ (DATE OF FIRST PAYMENT). All payments under this Note shall be applied first to accrued but unpaid interest, and next to outstanding principal. If not sooner paid, the entire remaining indebtedness (including accrued interest) shall be due and payable on _________________ (DATE OF FINAL PAYMENT).

    INTEREST. This Note shall bear interest, compounded annually, at _________ (ANNUAL INTEREST RATE) percent.

    PREPAYMENT. The Maker shall have the right at any time and from time to time to prepay this Note in whole or in part without premium or penalty.

    REMEDIES. No delay or omission on part of the holder of this Note in exercising any right hereunder shall operate as a waiver of any such right or of any other right of such holder, nor shall any delay, omission or waiver on any one occasion be deemed a bar to or waiver of the same or any other right on any future occasion. The rights and remedies of the Payee shall be cumulative and may be pursued singly, successively, or together, in the sole discretion of the Payee.

    EVENTS OF ACCELERATION. The occurrence of any of the following shall constitute an Event of Acceleration by Maker under this Note:

    (a) Maker’s failure to pay any part of the principal or interest as and when due under this Note; or

    (b) Maker’s becoming insolvent or not paying its debts as they become due.

    ACCELERATION. Upon the occurrence of an Event of Acceleration under this Note, and in addition to any other rights and remedies that Payee may have, Payee shall have the right, at its sole and exclusive option, to declare this Note immediately due and payable.

    SUBORDINATION. The Maker’s obligations under this Promissory Note are subordinated to all indebtedness, if any, of Maker, to any unrelated third party lender to the extent such indebtedness is outstanding on the date of this Note and such subordination is required under the loan documents providing for such indebtedness.

    WAIVERS BY MAKER. All parties to this Note including Maker and any sureties, endorsers, and guarantors hereby waive protest, presentment, notice of dishonor, and notice of acceleration of maturity and agree to continue to remain bound for the payment of principal, interest and all other sums due under this Note notwithstanding any change or changes by way of release, surrender, exchange, modification or substitution of any security for this Note or by way of any extension or extensions of time for the payment of principal and interest; and all such parties waive all and every kind of notice of such change or changes and agree that the same may be made without notice or consent of any of them.

    EXPENSES. In the event any payment under this Note is not paid when due, the Maker agrees to pay, in addition to the principal and interest hereunder, reasonable attorneys’ fees not exceeding a sum equal to 15% of the then outstanding balance owing on the Note, plus all other reasonable expenses incurred by Payee in exercising any of its rights and remedies upon default.

    GOVERNING LAW. This Note shall be governed by, and construed in accordance with, the laws of the State of ___________________ (STATE NAME).

    SUCCESSORS. All of the foregoing is the promise of Maker and shall bind Maker and Maker’s successors, heirs and assigns; provided, however, that Maker may not assign any of its rights or delegate any of its obligations hereunder without the prior written consent of the holder of this Note.

    IN WITNESS WHEREOF, Maker has executed this Promissory Note as of the day and year first above written.

    Maker:____________________________ (BORROWER SIGNATURE)

    _____________________________ (BORROWER NAME)



    Single Family Housing Direct Home Loans #bad #credit #unsecured #loans


    #loans direct
    #

    Program 101

    Program Status: Open

    What does this program do? 

    Also known as the Section 502 Direct Loan Program, this program assists low- and very-low-income applicants obtain decent, safe and sanitary housing in eligible rural areas by providing payment assistance to increase an applicant’s repayment ability. Payment assistance is a type of subsidy that reduces the mortgage payment for a short time. The amount of assistance is determined by the adjusted family income.

    Who may apply for this program ?

    A number of factors are considered when determining an applicant’s eligibility for Single Family Direct Home Loans. At a minimum, applicants interested in obtaining a direct loan must have an adjusted income that is at or below the applicable low-income limit for the area where they wish to buy a house and they must demonstrate a willingness and ability to repay debt.

    Applicants must:

    • Be without decent, safe and sanitary housing
    • Be unable to obtain a loan from other resources on terms and conditions that can reasonably be expected to meet
    • Agree to occupy the property as your primary residence
    • Have the legal capacity to incur a loan obligation
    • Meet citizenship or eligible noncitizen requirements
    • Not be suspended or debarred from participation in federal programs

    Properties financed with direct loan funds must:

    • Generally be 1,800 square feet or less
    • Not have market value in excess of the applicable area loan limit
    • Not have in-ground swimming pools
    • Not be designed for income producing activities

    Borrowers are required to repay all or a portion of the payment subsidy received over the life of the loan when the title to the property transfers or the borrower is no longer living in the dwelling.

    Applicants must meet income eligibility for a direct loan.  Please select your state from the dropdown menu above.

    Generally, rural areas with a population less than 35,000 are eligible.  Visit the USDA Income and Property Eligibility website for complete details.

    How may funds be used?

    Loan funds may be used to help low-income individuals or households purchase homes in rural areas. Funds can be used to build, repair, renovate or relocate a home, or to purchase and prepare sites, including providing water and sewage facilities.

    How much may I borrow?

    The maximum loan amount an applicant may qualify for will depend on the applicant’s repayment ability. The applicant’s ability to repay a loan considers various factors such as income, debts, assets and the amount of payment assistance applicants may be eligible to receive. Regardless of repayment ability, applicants may never borrow more than the Area’s Loan Limits (plus certain costs allowed to be financed) for the county in which the property is located.

    What is the interest rate and payback period?

    • Fixed interest rate based on current market rates at loan approval or loan closing, whichever is lower
    • Interest rate when modified by payment assistance, can be as low as 1%
    • Up to 33 year payback period – 38 year payback period for very low income applicants who can’t afford the 33 year loan term

    How much down payment is required?

    No down payment is typically required. Applicants with assets higher than the asset limits may be required to use a portion of those assets.

    Is there a deadline to apply?

    Applications for this program are accepted through your local RD office year round.

    How long does an application take?

    Processing times vary depending on funding availability and program demand in the area in which an applicant is interested in buying and completeness of the application package.

    What governs this program?

    • The Housing Act of 1949 as amended, 7 CFR, Part 3550 ,
    • HB-1-3550  – Direct Single Family Housing Loans Field Office Handbook

    Why does USDA Rural Development do this?

    NOTE: Because citations and other information may be subject to change please always consult the program instructions listed in the section above titled “What Law Governs this Program?” You may also contact your local office for assistance.



    Single Family Housing Repair Loans – Grants #loan #application #form


    #low income loans
    #

    Program 101

    Program Status: Open

    What does this program do? 

    Also known as the Section 504 Home Repair program, this provides loans to very-low-income homeowners to repair, improve or modernize their homes or grants to elderly very-low-income homeowners to remove health and safety hazards.

    Who may apply for this program?

    To qualify, you must:

    • Be the homeowner and occupy the house
    • Be unable to obtain affordable credit elsewhere
    • Have a family income below 50 percent of the area median income 
    • For grants, be age 62 or older and not be able to repay a repair loan

    What is an eligible area?

    Applicants may check the address of their home to determine eligibility.

    How may funds be used?

    • Loans may be used to repair, improve or modernize homes or remove health and safety hazards
    • Grants must be used to remove health and safety hazards

    How much money can I get?

    • Maximum loan is $20,000
    • Maximum grant is $7,500
    • Loans and grants can be combined for up to $27,500 in assistance

    What are the terms of the loan or grant?

    • Loans can be repaid over 20 years
    • Loan interest rate is fixed at 1%
    • Full title service is required for loans of $7,500 or more
    • Grants have a lifetime limit of $7,500
    • Grants must be repaid if the property is sold in less than 3 years
    • If applicants can repay part, but not all of the costs, applicants may be offered a loan and grant combination

    Is there a deadline to apply? 

    • Home loans are available year round as long as funding is available
    • Home loan applications are processed in the order they are received

    How long does an application take? 

    Approval times depend on funding availability in your area. Talk to a USDA home loan specialist in your area for help with the application

    Who can answer questions and how do I get started?

    What governs this program?

    • The Housing Act of 1949 as amended, 7 CFR Part 3550
    • HB-1-3550 – Direct Single Family Housing Loans and Grants Field Office Handbook

    Why does USDA Rural Development do this?

    Helping people stay in their own home and keep it in good repair helps families and their communities. Homeownership helps families and individuals build savings over time. It strengthens communities and helps many kinds of businesses that support the local economy.

    NOTE: Because citations and other information may be subject to change, please always consult the program instructions listed in the section above titled “What Governs this Program?” Applicants may also contact your local office for assistance.



    Lending Money To Family And Friends #low #doc #home #loans


    #loan money
    #

    Lending money to family and friends

    Lending money to family and friends

    Lending money to loved ones could be a gesture of good will — or it could be disastrous to your own personal finances, depending on the circumstances.

    *Ann’s co-worker was in a jam. She had car trouble, no extra money and wanted to borrow $500. “Money was tight for me, but I knew it was tighter for her,” Ann recalls. So she lent her co-worker the $500. Her friend paid her back, in full, about a year later.

    But not all loans work out as well. Beth and her husband lent her stepdaughter, Jan, now 36, about $100,000 — toward credit card debt, grocery money, school supplies for her kids, college tuition, cigarettes, security deposits and more. They never saw their money again.

    Just as borrowers need to proceed carefully, so do lenders.

    “It is very hard to pull apart your personal feelings from that business transaction when you loan money to friends and family,” says personal finance expert and author Manisha Thakor, CFA. “The biggest downside is ruining the relationship when you don’t get paid back at all, which frequently happens.”

    Learn how you can increase the odds of getting your money back while keeping the relationship on track.

    *Alternative names were used in this story to protect sources’ privacy.

    Consider the money a gift and repayment a bonus

    Ann lent her co-worker with car trouble the money and afterward never mentioned it. “Emotionally, I was always prepared to write that $500 off as a gift,” Ann says now. “I was ready to give it to her.”

    That’s exactly what Certified Financial Planner Robert Schmansky recommends.

    “If you’re going to make a loan to a family member, assume that money is gone from the start,” says Schmansky of Clear Financial Advisors in Troy, Mich. “Have the mindset (that) this is money you may not get back. You’re on the hook for whatever it is. Don’t let the financial consequences of this person defaulting or not making payments interfere with your relationship. Giving a gift is a lot better, a lot cleaner.”

    You may decide that giving a gift with love is better than a loan. “With family, my personal rule is, ‘Only give if you are willing to not ever get the money back,'” Thakor says. “Commit to yourself that you are aware you might not get the money back. But that is a risk you are willing to take because love is more important than money.”

    Treat the loan as a business transaction

    If you can’t consider the loan a gift, be just as businesslike as your bank would be.

    Lisa lent her daughter, a college student, $700 to buy a computer. Each month, her daughter paid her $50 and watched as Lisa entered the payment in a ledger and updated the amount owed until the money was paid back in full.

    To make sure you get paid, Schmansky and Thakor recommend getting everything in writing.

    “Set up expectations,” Schmansky says. “That way, the family member isn’t coming back to you in a year saying, ‘Unfortunately, I can’t pay you back.'”

    You can even set payment up as an automatic debit, Thakor says. Consider getting collateral and charging interest, she recommends.

    “When you make a loan, you’re assuming risk,” Thakor says. “Interest is the mechanism to help compensate for that risk.” You can charge a higher interest than you’d get from many savings accounts and still be charging less than the interest on a credit card or bank loan, she says.

    Don’t take the middle ground

    Don’t compromise between a gift and a business transaction, Thakor says. “If you do anything in between those two, that’s when you’re going to get into trouble. All the horror stories you hear about people lending money to friends and family boil down to, ‘It’s kind of a gift or sort of a business transaction,'” she says.

    Beth’s loans to Jan were smack in between the two. After one particular bailout, Beth and her husband created a written agreement that specified Jan would meet with them weekly to talk about budgeting. “She showed up once, then never again,” Beth says. But Beth and her husband did not insist she adhere to that or other terms, either.

    So both sides of the transaction were at fault.

    Make your own personal finances a priority

    The first moment of truth came about three years ago, when Beth and her husband began tracking spending. “We realized we had bailed her out that year to the tune of about $12,000,” Beth says. “I’d like to say the gravy train stopped then, but it actually continued until about a month ago.”

    That’s when Beth and her husband had to pay for a new roof on their own home and realized they needed their cash cushions for themselves. “No wonder my retirement account looks so crappy,” Beth says.

    Beth had a frank talk with Jan and told her to figure out what was wrong with her finances and to get another job if that’s what it took to stay afloat.

    Jan figured out her monthly expenses were $200 more than her monthly income. She began applying for second jobs. But she still hadn’t completely received the message, since she came to Beth saying she had forgotten her car registration was due.

    “I said, ‘I’m sorry about that, and what are you going to do?'” Beth recalls. Then Jan asked her dad for a pack of cigarettes, and Beth and her husband told her that not only had routine financial assistance come to an end, but so had gifts of cigarettes and groceries.

    Say ‘no’ to habitual borrowers

    Tensions rise when expectations aren’t met. When you’re waiting for a loan payment that isn’t coming, for example, it burns to see your loan recipient spending money on things you consider wasteful. What you consider a want, such as organic groceries or cigarettes, your loan recipient may classify as a need, Thakor says.

    Needing money to cover an emergency is one thing, Beth says. Borrowing money for everyday expenses signals a problem. “People who borrow habitually are people who have difficulty saying “no” to themselves and separating wants from needs,” she says. “You should not feel guilty saying ‘no’ to these people.”

    If you’re not comfortable making the loan, don’t do it, Schmansky advises. “I can’t overemphasize the idea that this person is coming to you because they can’t get money anywhere else,” he says. “I tell my clients to use me as the bad guy and tell them, ‘My financial adviser says this is something that doesn’t work with our goals.'”

    But when circumstances are right, you may want to say “yes.”

    Thakor says the upside of lending money is the good feeling you get by being able to help someone else. “Some people will argue it’s good karma,” she says.

    Plus, you may need such a loan yourself one day.