Category: Wealth Management

byAlma Abell

Taking care of your finances is extremely important, so you do not become overwhelmed with debt. Unfortunately, even the most financial savvy of people can become overwhelmed with debt and find themselves in major financial distress. Instead of panicking about your condition, it is important you actively work to free yourself of the cumbersome debt. You should first work to contact creditors and see what type of payment arrangements they are willing to work out with you. If this proves unsuccessful, you will then need to get bankruptcy help from the Law Offices of Steven K. Brown. Though this method of eliminating debt is not for everyone, it has been able to successfully help millions of people to overcome their debt and make better financial decisions in the future.

How Can You Get Bankruptcy Help St. Charles MO?

To get help for overcoming your debt, you need to speak with a lawyer. Your lawyer can go over all of the debts you owe, your assets and how much you make each month. This vital information will help the lawyer in assisting you on knowing which of the two types of bankruptcy will best benefit your needs. To make a decision on bankruptcy, it can help to know more about your options and the benefits offered by both.

Chapter 13 bankruptcy requires you pay a monthly payment through the court. This payment is divided among the creditors you owe. It slowly pays down your debt, over the period of bankruptcy, usually between two to five years, depending on the amount of debt you owe. You are allowed to keep all of your assets. This makes this option for bankruptcy popular among people who do not want to lose their property.

Chapter 7 bankruptcy requires you to sale all of your non-essential property. You are not required to sale your residential home, car, furniture or clothing. These items are protected under the bankruptcy laws. Chapter 7 bankruptcy is usually accomplished in six months, with the aide of a court-appointed trustee.

If you are considering bankruptcy, Visit http://www.stevenbrownlaw.com, so you can learn more about your options. He can help you to make the best choice for bankruptcy, so you can finally be free of the overwhelming debt you owe.

By Lily Morgan

Building a dollhouse can be lots of fun, especially if you love arts and crafts, decorating, or even if you are just an architect want-to-be. But one of the first questions you will ask yourself is: Should I use a doll house kit or make my own doll house plans? The answer to the question really depends on you, on how unique you want your doll house to be, and on how much time you have to put into it. Making a dollhouse from scratch will take up quite a bit more time. You also want to consider how much money you want to put into the project.

The Time Factor

Building your own dollhouse from your own plans can be very rewarding, and you will end up with a very original doll house, but you need to think about how much time you have to invest in the Project. You also need to look at your abilities. Are you a skilled carpenter and do you have the right tools? If you do, then of course you will want to build your doll house from scratch.

If you have the time, or are willing to prolong your project, and are willing to find the right plans, draw them out to the size you need, cut everything you need to the size you need, and are willing to take the time to get all the measurements right, then you should. When you create a dollhouse from scratch, then your dollhouse will be more unique and original.

The Disadvantages

Of course, if you are under a time constraint or are not that good with carpenter tools, then you probably want to get a dollhouse kit. Putting together a dollhouse from a kit takes a lot less time, less cutting, because everything is pre-made.

The problem is you don’t have a dollhouse that is very unique or different when you build it from a kit, and you cannot really customize it to your needs.

The Cost

Obviously, the money you put into a custom built doll house is going to depend on the type of materials you use. But if you are taking the time to do it this way, then you probably want to buy the best woods and materials you can. After all, you want a dollhouse that can become an heirloom.

Where do you find the Plans?

You can find lots of free doll house plans in every kind of shape online. You can find chalets, and castles, American homes, antique homes, and anything you want. Most online plans give you the scale to work in and the types of materials you will need.

Many of these sites that offer free dollhouse plans also offer free plans for miniature furniture, which you can use to furnish your new house. The dollhouse you build from your own plans is something that will bring your child hours and hours of enjoyment.

Many of these sites that offer free dollhouse plans also offer free plans for miniature furniture, which you can use to furnish your new house. The dollhouse you build from your own plans is something that will bring your child hours and hours of enjoyment.

About the Author: Add to your miniature collection, or start a new one! Come see our large selection of

affordable doll house furniture

and accessories. Visit us online at http://www.TheMagicalDollhouse.com today.

Source:

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By Gloria Pouch

Graduation time is now upon us. Students from different schools, who have worked and studied hard in their chosen field, are about to walk across the stage and take hold of their much earned diploma, certificate, or degree.

Graduations are are such a special time in a person’s life. Whether the student is graduating from high school, medical school, or cosmetology school – it is a great achievement and a proud moment for their family and friends. If you have a special graduate in your life who is going to make their own special journey forward, then why not celebrate with them by making a handmade graduation card?

Handmade graduation cards do not have to be decorated with the traditional graduation caps and tassels or rolled up scroll, they can be created with your special graduate in mind. Taking some time to make a custom homemade graduation card for your graduate will be a special and memorable gesture.

Here are some creative graduation greeting cards ideas that might help to spark an idea of your own:

* Did your graduate complete his or her studies in an interesting major? Can you incorporate some part of their chosen major into a handmade card? For instance, if they graduated with an English major, then maybe you can decorate the front of the card to resemble dictionary entries with words like congratulations, graduate, honor, and other uplifting terms. Or if they graduated with a degree in geography you can decorate the front of the card with a cool topography or antique map.

* What school did the graduate attend? If you are familiar with the school, maybe you can incorporate the school mascot or school colors into the card. Does the school have a neat slogan that you can borrow to use on the front of the card? Incorporating aspects of the school into the card will be a fun way to personalize your congratulations and if the graduate is preparing a scrapbook of their college years, then it would be easy to include the card to represent their alma mater.

* Does the graduate have grand plans for the near future? Will your graduate be traveling after graduation? Or maybe they are planning on moving or getting married? Consider incorporating an aspect of their near future into their graduation card. Let them know that you are proud of them and know that they have some exciting things lined up for their future.

* Did your graduate complete specialized schooling? Did he or she attend law school or medical school? Can you decorate the handmade graduation card to reflect their chosen specialty? How about including a judge’s mallet or stethoscope on the front of the card? Little fun items to reflect their interests is a great way to make your handmade graduation card stand out.

Finding a fun way to congratulate your graduate can be a real exercise in creativity. If you are still stuck for ideas, try brainstorming answers to some of questions asked above to see if you can find a special angle with which to make your own creative handmade graduation card. Regardless of how you decide to create it, your graduate will appreciate the extra thought and effort you put into the handmade card.

About the Author: For more creative handmade graduation card ideas, please visit creative-card-ideas.com a website dedicated to making handmade cards on a budget.

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By Michael P Kaselnak

I hear so many sales persons tell me that they never get a good response rate from their direct mail. When I ask them what they have been sending it is anything from seminar invites to product offers to “form” letters describing how their company works and why it would benefit the reader to work with them.

Well let’s think about why direct mail doesn’t work…because it doesn’t, at least not the way it used to. How many times is the average American hit with a marketing message on a daily basis? I’ve seen anywhere from 500 to 3,000 times mentioned by reliable sources.

Some scoff at these numbers but think about it. Just driving to work today, how many marketing messages were you exposed to? Well let me take you through my morning from the time I got up until the time I arrived at work.

5:45 a.m.

Worked out. Had my Ipod on so only one message…IPOD

6:45 a.m.

Eat breakfast while watching the morning news and reading a magazine, exposed to 10 commercials. The news show actually promoted 2 products. In the magazine as I thumbed through, I counted 72 ads. The cereal box, Milk carton and frozen blueberry bag are all covered with marketing messages.

7:15 a.m.

Showering and dressing while listening to news radio. Exposed to another 18 commercials.

7:45 a.m.

Spend 15 minutes watching cartoons with my kids. Exposed to another 8 commercials.

8:10 a.m.

Drive to work while listening to the radio. Exposed to another 6 commercials (I’m lucky, I have a 15 minute commute). I drive past about 60 retail stores all trying to entice me inside with their signage. I drive past 5 different vehicles that have their marketing message painted on them. I drive past 11 bill boards proclaiming their message. Heck, I even drove by a corner with an actual human being holding a sign for a furniture sale!

So how many marketing messages is that? 197 marketing messages before I step out of the car to walk into work. How many of you would have guessed that many messages in the first couple of hours of the day? And had I stretched even a little I could have come up with another 100 messages…from bumper stickers to the branding of every item I touched or saw.

Now how many of these messages actually registered with my brain? Maybe 1%. I’ve become immune to them. If you and I had not learned to tune out this assault on our senses, our brains would explode!

So how do you as somebody that has a message that you want to get out to the masses avoid becoming noise? How do you make sure that people are not tuning your message out? Two words, be different.

Different how? Any difference is better than none at all. Build a bill board 3 times bigger than all the others…that’s different…that would work…that is illegal.

I could make a long list of ridiculous ways to be different but in deference to you and your busy day, let me suggest one way to be different that is cheap, effective and accomplishes a lot more than just being different. Try a handwritten note. People rarely get them. It makes them stop in their tracks and read what you have to say. It is not only different in how it affects your prospects but it tells them that you are different as well. It says that you are not treating them as the masses but instead, you are treating them as an individual…and that means the world to your prospects.

About the Author: Mike Kaselnak is considered one of the top marketing and sales experts in the financial services industry. He has personally mentored over 300 financial advisors in the past 10 years. These financial advisors saw their average production increase by 62%. Many saw increases of over 300 percent. He writes articles that have appeared in many mainstream magazines and has written the popular report 300 Financial Headlines that sell. MikeKaselnak.com

Source: isnare.com

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By Dr. Jay B Stockman O.D.

Congratulations, you have just purchased the car of your dreams; you worked a great deal, now it is time to insure it. Car insurance is mandatory in all states, and must be maintained throughout ownership. Insurance quotes can vary from company to company, and there are a few factors that you can control, and other factors you cannot. A full understanding of how insurance quotes are arrived at, will give you the best rate, and maximum coverage.

Factors that cannot be controlled include the age of the driver. Common sense tells us that a new driver would be more of a risk to an insurance company, than an established driver. Therefore a driver in their early 20’s would pay a higher premium than a driver in their 40’s. Further, elderly drivers have poor reaction time, and similarly would pay more of a premium. The ideal driving age would be between 35 to 55 years; anyone younger, or older would pay more.

Gender is another uncontrolled factor that insurance quotes are based on. Statistically, insurance companies see females as safer drivers than males. As a result, female drivers pay less than their male counterparts.

There are factors, which we can control, namely the amount of traffic tickets and accidents. A ticket is a violation of law that could potentially result in an accident. Insurance companies frown on this, and will penalize the driver with higher rates. Similarly, accidents could indicate a pattern of behavior; as such the driver is penalized with higher rates.

Where you live is another controlling factor that effects insurance quotes. Living in a rural area, puts the driver at much less risk of accident or theft as compared to living in a city. As a result, city drivers will pay a larger premium than rural drivers with very few exceptions.

Want to drive a Porsche 911 Carrera? It will cost you. The more your car is worth, the higher your insurance quote will be. The logic should be obvious.

Car insurance companies are now looking at your credit worthiness. Do you have excessive, outstanding credit, or no credit at all? If so, you are a risk in the eyes of the insurance companies, and will get socked with higher insurance quotes. Keeping your credit in check will show the insurance companies you are responsible, both financially, and on the road. As a result, you will pay lower premiums.

Your occupation can put you at a higher risk. Jobs that require many hours of driving, or driving in hazardous conditions, or places will put your quote at a higher rate. Less driving, and exposure to high-risk opportunities, will result in lower premiums. Additionally you want to keep your annual mileage down to a minimum. The more miles you drive, the greater the risk of accident.

Vehicle theft is a risk factor that can easily be minimized. Most companies will give you a discount for having better security for your vehicle. An alarm, or another approved anti-theft device will usually result in some discount. Some companies may insist on having such devices installed on more expensive and desirable cars before they even consider offering you a price.

Some companies look favorably on drivers who have taken a defensive driver’s course. They see this as a commitment to safer driving, thereby lowering the risk of accident, resulting in lower premiums.

Keep in mind these are just general guidelines, and the difference in price between various companies can be significant. What one company may consider a high-risk factor another company may not view as so important. The bottom line, keep your credit in check, be careful on the road and choose a car that fits your budgets.

About the Author: Jay B Stockman is a contributing editor for Car Insurance Quotes Resource Visit

car-insurance-usa.com/

for more information.

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