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By Samuel Odeyenuma

Are you among those people who find themselves in quick need of cash, before the next payday and get help from a cash advance?. Cash advances are quick and easy sources of money but must be viewed with caution as a lot of people are falling into ‘cash advance dependence’. Unfortunately, there are people who rely on cash advances too much; they apply for one every time they are low on cash, instead of waiting for their next payday. These people go to cash advance companies and apply for a cash advance loan just to keep going until their next pay check, rather than using careful budgeting methods to avoid money shortages and to save money long term.

If you do not want to file for bankruptcy in the long run because of your addiction to cash advance loans, take these few tips as a guide to preventing a financial disaster:

1) You must understand that fast and easy cash advances should only be used for a cash emergency. Never use the money to purchase luxuries as you abuse the opportunity to your own detriment.

2) Think before you make the decision to get a cash advance. Be sure you can make the repayments before applying for a cash advance loan. Try to avoid borrowing large amounts.

3) Because most cash advance companies have a ‘no credit policy’, its even more easier to get addicted because you can loan money from more than one cash advance company. Avoid this. You end up having a higher debt to pay as the interest on the cash is very high. Only borrow from one cash advance company at a time.

4) Before you sign that contract, check the small print and remember the most important little pieces of information that they want to hide are in that small print, so read carefully. There is no going back when you put pen to paper and receive that money.

5) Rely on a budget, not on a cash advance. Create a budget and stick to it so you can make your repayments. Factor cash advances into your budget, and like I earlier mentioned, use only when necessary and come to a rational decision.

6) If you are in debt, seek help as soon as possible. Go to a financial advisor, your banker or from a private advisor; they can help you plan your way towards being debt-free and put you back on track.

7) Remember, cash advances are not to be blamed for your human weakness. You have to work to overcome your weakness regarding proper management of finances. Never let money control you.

When you finally break free from cash advance dependence, you will feel better. It is hard to break the habit which is why you should start now and look for a more sustainable financial solution for the future.

About the Author: Samuel Odeyenuma is a freelance writer and expert on personal finance and investment advice. For more helpful information on your personal finance, please visit

inhotdemand.com

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isnare.com

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By Dan Skriver

As the Baby Boomer generation continues to grow older, their primary concerns have shifted to their health, money and retirement. The days of idly wondering where their next vacation should be and whether their bonus check will be as much as they deserve are quietly passing. Today, Baby Boomer issues are mostly about concerns with maintaining their dwindling health and having enough money to live comfortably through their twilight years.

Health Concerns For Baby Boomers

As people grow older, they often experience problems with their health. Their bodies grow more fragile and susceptible to diseases and bacteria. In addition, many people 50 years of age and older are reporting health problems that were not experienced by people in their same age group long ago.

This problem is exacerbated by rising health care costs. As the Boomer generation begins to require more medical care, the cost of that medical care continues to increase. Health issues and their ability to cope with them and find the proper medical support is a major concern for Baby Boomers.

Money And Retirement Concerns For Baby Boomers

Along with rising health care costs, Baby Boomers also worry about money and retirement. During the last several years of their careers before retiring, people usually enjoy salaries and bonuses that are larger than at any other point in their career. As a result, money is rarely a major concern.

However, many people fail to save that money. Instead, they spend it on vacations, their families and in the pursuit of living fun and fulfilling lives. This can lead to a rude awakening when they retire. Because they have not saved much money during their career, a lot of people discover that they do not have enough money to live comfortably during their retirement years.

When they retire, they no longer earn a salary. They no longer receive bonus checks. Instead, they are forced to live off the income that can be generated by the investments they have made throughout their lives. Unfortunately, many have not invested any money that can generate this income.

Other Baby Boomer issues complicate this money problem. People live longer lives today. When a Baby Boomer retires, he can expect to live many years in retirement. In the past, a 65-year old man could expect to live approximately 10 years in retirement before passing away. The financial requirements of living comfortably for these 10 years were manageable for most people.

Today, financial planners use a life expectancy of 90 to 95 years. That is, when a person retires at 65 years of age, he can expect to live up to 30 years in retirement. With dwindling health, rising health care costs and a lack of savings to generate a fixed income, the financial requirements of living 30 years in retirement are out of reach for many people.

These health, money and retirement concerns will grow as more of the Baby Boomer generation moves into retirement. Some will choose to work part-time jobs to keep active, stay healthy and generate supplemental income. Others will require the aid of family and friends. Still others may require more help than is available to them. As the Baby Boomer issues are beginning to emerge the Boomers will experience the issues that have been quietly gaining momentum for years, their health, money and retirement concerns will continue to grow.

About the Author: To learn more about the

Baby Boomer issues

and the challenges they face, please go to

helloboomers.com

. Dan Skriver is a writer at http://helloboomers.com

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isnare.com

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By Wade Robins

When you go bankrupt life for attaining credit is very difficult. Many companies are wary of loaning money, or even allowing you to open a bank account on the basis of your bankruptcy. You will need to search for a bank that will allow you to open a new bank account. The bank may impose conditions and limits for this bank account. They may limit the amount of money you are allowed to withdraw and state that you need to keep a certain amount in the account to avoid fees.

The bank will check your credit and find the bankruptcy. It is a good idea to tell them you have had a bankruptcy so there are not surprises and they are more inclined to help you. It may take three or more years for you to be eligible for loans. You do not want to jeopardize this new start by overdrawing the account or bouncing the check. With the bank systems in place today it is very easy for the bank to monitor your account and they may close your account if you mishandle funds.

Paypal will also allow you to open a savings account if you are having trouble finding a bank to work with. Paypal allows you to pay bills online as well as shop online so you can use it as a bank account until you reestablish credit.

Assets after a bankruptcy are usually limited. You probably dont have a lot of money to put into savings, but as long as you have steady employment you will be able to reestablish credit. You home is another asset. The courts cannot take away your home unless you have been foreclosed. In the event of a foreclosure you will probably be renting until you can establish your credit. Depending on the chapter of bankruptcy you may have been able to convert some asset into a home that courts cannot take away. For instance if you are a truck driver you can turn that asset into a home rather than loose the truck. Of course if you are still using the truck for your job you may be able to keep it under transportation for your employment. For more info see

filingpersonalbankruptcyhelp.com/Student_Loan_Banruptcy/

on Student Loan Banruptcy.

Bankruptcy will create stress and a little havoc in your life during the process, but it can be the solution you need to gain a new start. A lot of people facing bankruptcy have lost their jobs, lost assets from rental properties, or even had a medical problem causing them to mortgage all their assets. To have a life after bankruptcy you may have to have a job that is below your education and be forced to abide by banks rules, but you can reestablish your life after a time.

About the Author: You can also find more info on

Chapter 11 Bankruptcy

and

Personal Bankruptcy

.

Source:

isnare.com

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By Everett Maclachlan

Going through a divorce is complicated by anyone’s standards. Even if you are going through a relatively “easy” divorce by most accounts, both you and your soon-to-be-ex-spouse will be forced to examine every aspect of your social and financial lives as you go through the process.

In the case of almost any divorce, the most challenging factor that the couple has to work through is that of deciding “who gets what” when it comes to their shared financial assets. And, for situations whereby the couple just cannot seem to see eye-to-eye on anything, the financial piece of the divorce puzzle can be the hardest to solve.

If you are considering buying a new home during divorce or separation, you are right to question whether this is the best time to make such a purchase. Here are points to consider.

Buy a New Home During Divorce or Separation?

The most critical thing to remember when considering whether to buy a home during a divorce or separation is that – if you do not handle things properly – you could end up making a huge mistake. You could be required to sell your newly-purchased home at the end of the divorce process in order to recoup some of the money in order to pay your spouse. Of course, this would be a very costly situation, since you would almost certainly lose money in the process.

The Risk Factors in Buying a New Home

The risks you face in buying a new home during divorce come into play in the following situations:

1. You buy the home before you are legally separated or divorced: If you start the purchase of a new home before official separation or divorce proceedings have gotten underway, you complicate the situation significantly and it could backfire on you.

2. You purchase the new residence with money that belongs partly to your spouse: Make sure to buy the home with money that is very clearly only yours (but that in no way belongs to your spouse). Otherwise, you could end up having to pay back your spouse down the road – selling the new house just to get the cash.

3. Other assets have been heavily in contention: If your divorce is of the very contentious kind with lots of back and forth and fighting between your attorneys or each other, it is likely that the purchase of a home right now is not a wise move as it is likely to get embroiled in the mess.

4. You end up staying together: In the event that you were to later decide to call off the divorce or end your separation, the new house (whose title would be only your name) would be a constant reminder of your divorce attempt. Better to start fresh with a new home that you buy together (or to stay in your current home for now).

What to Do

The best thing to do in this situation is to hold off on any home purchases until your divorce is totally finalized, your separation advances into full-fledged divorce, or you decide not to get divorced but remain together. If you feel very strongly that you want to buy a home now, consult your attorney first to make sure you are going about it properly.

About the Author: Want to avoid a divorce and restore your marriage back to happiness? Get advice from a relationship expert who has saved thousands of marriages at:

Making-Up-Is-Magic.com

.

Source:

isnare.com

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By Ingvar Grimsmo

It’s a constant struggle for lawyers and their firms to be on the first page of the top search engines. It is very competitive simply because the payoff is so high. A single client for an attorney can bring in anywhere from thousands to millions of dollars. So to have your law firm show up on the first page on Google with a specific practice are search term such as “New York Divorce Lawyers” is highly desirable.

Recently more and more law firms are playing short videos on their websites. This appears to have a big impact on placement, since search engines now value videos much more than a few years ago. Besides, videos now are of a much higher quality than before. A $400 HD video camera can now produce a professional looking video.

People watch more TV and videos than any other news/entertainment media. People react to videos, it becomes a person to person interaction. The most successful lawyer videos are educational in nature, not trying to pitch the firm. People come to attorney websites because they have a problem they need solved. They want to know how to fix it. They need answers. Why not give it to them in a personal message? For example, let’s say you are a tax lawyer. A person in trouble with the IRS looks up to find a tax lawyer in his or her city. Your site comes up with a video titled: “What To Do If The IRS Has Garnished Your Income”. That’s valuable. The visitor will view the video, and get some answers. Of course, the secret in all personal service marketing is to give away 80% of what you know and charge a lot for the rest.

Videos can be uploaded to YouTube, or any other video hosting service. It is important that you use the right keywords and title. Be specific. It’s easier to get a top listing on a longer search phrase than a generic one. “Seattle Lawyer” won’t work. “Seattle Lawyer Explaining How To Apply For Medicaid” will. The best way to put a video on your website is to have the video file reside directly on the server where the website files are. And indexed properly. Most web geeks can do this.

When recording a video, always use a tripod. Watch out for the background, sitting at your desk is fine unless it is in front of the window. Using a script is ok if you can be natural reading it. However, the best videos are the ones where you just talk like you would if a client sits right in front of you. Remember – make it personal. You are selling your services, and the viewer will know this so it’s ok to have a sales pitch. People are looking for help. They have a problem. You need to show the potential client that you understand their issues, and you can help. Use (but subtly) the ‘old “Find The Hurt – Stir It Up – Make It So You Are The one To Fix It” emotional sales pitch.

Finally you want to submit your video to video directory, preferably lawyer-specific sites.

About the Author: Ingvar is a marketing consultant helping lawyers get high rankings on search engines.

lawfirmvideos.com

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