Is Bankruptcy The Best Option For You?

If you are thinking about filing for bankruptcy, research all your options before making an informed decision. Read the tips and suggestions in the following article so you know what to expect and just what you should be doing before you make that important decision. Take the time to educate yourself before you make your choice.

Personal Bankruptcy

Be sure everything is clear to you about personal bankruptcy via looking at websites on the subject. The U.S. There is solid advice available from the NACBA, (Consumer Bankruptcy Attorneys’ association) the ABI, (American Bankruptcy Institute) and the United States Department of Justice. The more knowledgeable you are, the more you can be sure that you are making the right decision and that you are taking the right steps to ensure your personal bankruptcy goes as smoothly as possible.

Think twice if you have struck upon the idea of paying off your taxes by credit card and subsequently filing for personal bankruptcy. Credit card debt is handled charge by charge during bankruptcy, and in most states, tax debt cannot be discharged through bankruptcy. Rule of thumb is if the tax is dischargeable, then the debt will be dischargeable. Thus, it doesn’t make sense to use a credit card when it is going to be discharged when you file for bankruptcy.

Make sure you’ve exhausted all other options prior to declaring bankruptcy. Other available options include consumer credit counseling. Bankruptcy will be on your credit report and affect your credit score for many years to come, so it is a decision that should not be taken lightly. Try to use it as a last resort.

Don’t file for bankruptcy until you know what assets of yours can and can’t be seized. Bankruptcy exemptions are properties may not be seized during bankruptcy. It is crucial to read the list before you file for bankruptcy so you know whether your favorite items will be taken. Failure to do this could cause some ugly surprises down the road when you discover that your valuables must be seized.

Don’t hide assets or liabilities when filing for bankruptcy. All of your financial information, be it positive or negative, must be disclosed to those in charge of filing your case. They need to know it all. Put everything out on the table and craft a wise plan for handling the situation the best you can.

Never give up. If you file for bankruptcy at the right time it could enable you to get your property back that you lost to repossession. You may be able to get your property back if fewer than 90 days have passed between the repossession and are filing for bankruptcy. A qualified bankruptcy attorney can walk you through the petition process.

If you are about to file for bankruptcy, then make sure you hire a lawyer. Personal bankruptcies are detailed and complex processes, and you may miss something that costs you money. A specialized bankruptcy lawyer can ensure that you are handling your bankruptcy filing the right way.

Familiarize yourself with the bankruptcy code before you file. Laws are ever-evolving. You must stay current with bankruptcy laws if you want to be successful in your challenge. To find out about these changes, you can look at your state’s legislation website or contact their office.

Chapter 7

Understand the differences between Chapter 7 and Chapter 13 bankruptcy. If you file for Chapter 7 bankruptcy, all of your debts will be eliminated. You will no longer be liable for any money that you owe to your creditors. Chapter 13 bankruptcy allows for a five year repayment plan to eliminate all your debts. Both options have advantages and drawbacks, so do your research before deciding.

If you make more money than what you owe, filing for bankruptcy is not a good option. While bankruptcy may seem like an easy way out of having to pay back all of the debt that you owe, it is a stain that will remain on your credit report for seven to ten years.

Look into all of your options before you choose to file for bankruptcy. Talk with a bankruptcy lawyer and ask about alternatives, such as debt consolidation or negotiating with creditors. Loan modification can help you get out of foreclosure. This type of plan allows your lender to work with you eliminating charges, extending your loan, and lowering interest rates to help you pay back the loan without drowning in debt. After all is said and done, your creditors will still want their money. For this reason, you may wish to investigate debt repayment programs in lieu of bankruptcy programs.

It is important to be upfront with all your financial information when filing for bankruptcy. If you do not do so accurately, your petition could be dismissed, or at the very least delayed. You might think something is insignificant, but you should add it anyway. This might take the form of odd jobs, extra cars and outstanding personal loans.

If you are planning to file for bankruptcy in the immediate future, you should refrain from taking out cash advances via your credit cards. This could be considered as fraud, and you may even be forced in paying all of it back to credit card companies.

Before you file for bankruptcy, be sure you know how to properly repay your debts. Bankruptcy rules generally outlaw repayment of creditors in the 90 days leading up to a bankruptcy filing, a period that is extended to one year when it comes to payments made to family members. Study applicable regulations prior to making any financial choices.

This article has probably helped you see that bankruptcy is a process that involves a lot of planning. Many issues need to be handled the right way. If you apply this advice, you are certain to be prepared when bankruptcy rears its ugly head.

If you continue to learn about this, you will be a pro in no time. The information that you’ve found out will make things easier. Be patient and do not get started on your growth stock recommendations project until you feel confident about your knowledge and ability to succeed.

Important Information To Know Before Filing Bankruptcy

TIP! Do not abandon hope. If you file for bankruptcy, you might be able to reclaim certain property that has been repossessed, such as your car, electronics or jewelry.

Are your debts out of control and you think that your only escape is bankruptcy? Do not feel as if you are on your own. Many individuals have turned to bankruptcy as a means of finding relief from financial hardship. The following article will provide you with some bankruptcy tips that you can use for guidance as you make your way through the process.

TIP! Be aware of recent changes, if any, in the bankruptcy code. Bankruptcy law evolves constantly, and it’s important to stay up-to-date to ensure that you file properly.

If you are in a position where you are unable to pay your debts, bankruptcy may be the only option for you. If you have unmanageable debt, you need to familiarize yourself with regional bankruptcy laws. Each state has its own laws regarding personal bankruptcy. In some states, your home is protected, while in others it is not. You should be familiar with the laws for your state before filing for bankruptcy.

TIP! Before declaring bankruptcy, ensure that all other options have been considered. For example, if your debt is small, try a type of consumer counseling program.

Ask yourself if filing for bankruptcy is the right thing to do. There are plenty of other options open to you, like consumer credit counseling. Be sure to consider all options before filing for personal bankruptcy, as this will take a large toll on your credit score for the next ten years.

TIP! Since it is possible to obtain a free consultation from the majority of bankruptcy lawyers, meet with a few of them prior to choosing one. Make sure you meet with a licensed attorney rather than a paralegal or assistant, because it is illegal for these people to give legal advice.

Instead of getting your lawyer from the yellow pages or on the Internet, try your hardest to find one with a personal recommendation. There are plenty of companies who know how to take advantage of people who seem desperate, and it’s important to be sure your bankruptcy can go smoothly; take your time and choose someone you can trust.

TIP! Consider all options before filing for bankruptcy. There are many recouses available to help you lower your payments and get back on track.

Don’t pay for an attorney consultation and ask him or her anything you want to know. Nearly all attorneys offer free initial consultations, so you should be able to meet with a few before you make a final hiring decision. Choose to file only if your lawyer has convinced you that this is the best decision. After the consultation, you are not immediately required to come up with a decision. You could even go to different lawyers for advice.

TIP! After you have filed for bankruptcy, enjoy your life. So many people become stressed when they file.

Do some research about laws and legislation before filing. If you want to file for bankruptcy successfully, it’s important to review the latest applicable laws. They tend to change frequently. To learn about any changes, search the Internet or contact your state’s legislative office.

Free Consultation

TIP! Don’t overly concern yourself with any negative feelings you are having. It is possible for those going through the bankruptcy process to feel unworthy, guilty or ashamed.

Prior to choosing a bankruptcy attorney, seek a free consultation with at least three attorneys. Be certain that the person you meet with is really a lawyer. Avoid meeting with paralegals or legal assistants because they cannot give you legal advice. By meeting with several attorneys through a free consultation you will be able to choose which attorney you feel more comfortable with.

TIP! Bankruptcy laws are very exact and very important, so ensure that you’re well aware of all current laws before you file a petition. For instance, somebody cannot transfer assets from a filer’s name up to a year after they file.

Protect your home. Just because you’re going bankrupt doesn’t mean that you also have to be homeless! You might be able to keep your home, for instance, if you have two mortgages or if your home has lost its value. You are still going to want to check into homestead exemption either way just in case.

TIP! Avoid large cash advances from credit cards when considering bankruptcy. You may think these debts will just be washed clean, but you are wrong.

Become knowledgeable in regards to details about chapter seven bankruptcy vs. chapter 13 bankruptcy. Learn the benefits and drawbacks of each type before deciding which is right for you. Do not hesitate to have your lawyer explain any details that seem difficult to grasp. This will help ensure you make the right choice when filing.

TIP! Carefully pick the lawyer you will use when filing for bankruptcy. This type of legislation is popular for the inexperienced.

Filing for bankruptcy can cause stress. To help yourself deal with this stressful situation, make sure you hire a legitimate attorney. Don’t hire based solely on cost. Your lawyer does not necessarily have to be the most expensive one; however, you should be certain of his or her qualifications and abilities. Do not choose an attorney until you have interviewed them, checked with the better business bureau and checked their standing with the bar association. When looking at bankruptcy attorneys, consider sitting in on one of their court hearings to find out how they handle the case.

TIP! If you manage to get a new job right before filing for bankruptcy, still pay strict attention to your financial situation! Filing for bankruptcy might be the smartest thing for you to do. Filing alters your life dramatically.

Adopt a positive attitude toward filing for bankruptcy and researching the topic. It’s very difficult admitting you need help, but waiting too long can actually make it worse. A qualified bankruptcy lawyer can give you advice about filing for bankruptcy and help you weigh other options.

TIP! Rethink getting divorced if you are in a bad financial situation. Many people who divorce must immediately file bankruptcy because of unforeseen financial difficulties.

Many people who have filed for bankruptcy, resolve to never use credit or credit cards again. This is not a smart move, since using credit wisely allows you to build a solid credit history. If you do not rebuild your credit rating, you will not be able to buy a car or a home on credit again. The best way to help build your credit is to get one credit card and pay it off at the end of every billing cycle.

Current Credit

TIP! Try re-filing for bankruptcy if an error causes you to be dismissed. But, most of the time, you only get an automatic stay for thirty days after filing if the case was previously dismissed.

Before you file for bankruptcy, you must commit to acting more responsible with your finances. Do not take on more debt or use more of your current credit. Judges may take into account your current credit history, in addition to your past credit history, when considering your bankruptcy case. You want to show them that you are doing everything you can to make your situation better.

TIP! If most of your debt is from taxes, you are probably better off not filing for bankruptcy. Filing for bankruptcy does not exempt you from paying your taxes.

Make your decision wisely when you select a bankruptcy attorney. Many newer lawyers enjoy this kind of law. Ensure that the attorney you choose is experienced and has the proper license. Information on lawyers and their ratings by clients can be found on the Internet.

TIP! You should never assume that all debts are covered under a Chapter 7 bankruptcy. Secured debt obligations may require you to reaffirm them with the creditor, and other debts may not be dischargeable at all.

Certain attorneys offer a phone service that creditors are directed to when they want to speak with you about debts you may owe. When a debt collector calls the number, they will be able to obtain verification that your personal debt is in the process of bankruptcy filing. If everything checks out, the call center should then update their records to show that you no longer owe any money to that company.

TIP! When things look like bankruptcy might be your only option, start reading everything you can about bankruptcy laws in your state. This is your future and you should acquire as much knowledge as possible while being thoroughly involved in the process, this way you can get the best outcome from this situation.

Remember from the beginning of this article? You aren’t the only one who is filing for bankruptcy. However, you can be better armed by using the tips you have found here. Put the tips you learned into action so that you can ensure your bankruptcy process moves along without trouble.

When you become increasingly knowledgeable with regard to markets today, you will experience less stress and an easier life. This is why it was great that you’ve been reading up on it. The key to understanding is taking the time to learn all you can about the subject, and markets today is no different. Be sure to read this often so that you will have the knowledge when you need it.

Crucial Credit Card Advice Everyone Can Benefit From

Having a credit card can be a good way to build a responsible credit history. The key is understanding how credit cards work and making wise spending decisions. You will be able to make better choices and safely use your charge cards after reading the basic information in this article.

You should only open up retail credit cards if you plan on actually shopping at this store on a regular basis. When you apply for store charge card, an inquiry is noted on your credit bureau report whether you are approved or not. If you have many retail inquiries, your credit score may decrease.

With any credit card debt, you need to avoid late fees and fees associated with going over your credit limit. Both are usually pretty high, and both can affect your credit report. This is a very good reason to always be careful not to exceed your limit.

Credit Card

As soon as your credit card arrives in the mail, sign it. This will protect you should your credit card get stolen. Many merchants require the cashier to verify the signature matches so that you can keep your card safer.

Unless there is a lock located on your mailbox, do not have charge cards sent by mail. Credit card theft often takes place by simply removing a new credit card from an unlocked mailbox.

You can save yourself money by asking for a lower interest rate. If you are a long-time customer, and have a good payment history, you might succeed in negotiating a more advantageous rate. A phone call could be all you need to do to get a good rate in which you would be able to save money.

Do not close out any accounts. You may think that closing accounts is a good idea, but it can actually harm your credit. That is because you’re subtracting from the entire credit you’ve got available, and that drives down the ratio between your credit and what you completely owe.

Credit Score

It is a mistaken action to not have credit cards at all to avoid having any debt. It is important for everyone to have at least one card to build up a credit history. Use the card, then pay the balance off every month. When people check your credit score, they are trying to evaluate your financial management skills. You cannot raise your credit score unless you use credit responsibly.

Avoid prepaid cards at all costs when looking for cards. Prepaid cards are debit cards, not credit cards, so they don’t affect your credit score. Lots of these cards charge extra fees too, and they are nothing more than a checking account really. Make a deposit and obtain an actual secured credit card. These report to the credit bureaus and will help you build your credit rating.

Interest Rate

Call your credit company and ask them if they will lower your interest rate. If you have built a positive relationship with the company, they may reduce your interest rate. This can really save you a lot of money and it never hurts to ask.

Whenever possible, do not use your credit card for the grocery store or eating at restaurants. These charges occasionally will take time to be applied to your statement and can lead to your account being out of balance. Because you will think your balance is lower than it really is, you could end up spending more.

Verify all fees surrounding cards and don’t think of only annual percentage and interest rates. Sometimes, all the additional fees and charges end up making the card too expensive.

Credit Card

Be sure that you are always checking the transactions made with your credit card. You could register for mobile alerts if they are offered to you. This allows you to find out about and question suspicious activity immediately. Contact your bank, and possibly the police, right away if you notice suspicious activity taking place with any of your credit card accounts.

Keep charge cards hidden so that you are more likely to use debit cards first. This way, if you are in a rush and not paying attention, you are more likely to slide out your debit card instead of charging something you did not intend to.

It is a good idea to review all of your charge cards and consider closing the ones that you don’t use anymore. By closing unused accounts, you can ensure that those account are not vulnerable to fraudulent use. You can close accounts you don’t use, even if they carry a balance. Simply keep paying the balance off until it is completely repaid.

It might be a little tempting to whip your card out to buy everything, but you should only use it for large purchases. Lots of vendors require a minimum amount to use cards so you can’t always make use of your charge cards. Use credit cards for things that cost at least $10.

If you see that you might make an unusual purchase or series of purchases let your credit company know. At times when you travel, companies can deactivate your card because they may think it has been stolen. That can prevent you from having your card shut off because your credit card company raised a possible identity theft alarm.

Actual Due Date

When it comes to the due date of your payment, learn the difference between the suggested due date and the actual due date. Companies are beginning to suggest that customers pay their bills over two weeks before the actual due date. Make sure you are aware of the difference between suggested and true due dates in case you are in a situation where you need additional days to find the repayment money.

As you can see by now, credit cards can be helpful for building credit and becoming financially responsible. Understanding individual cards is critical, as this can assist people in making educated choices. Having a good understanding about how credit card companies operate can be very advantageous for consumers.

Now that you’ve gone over what is presented here, you should be more in the know about stocks. Start as soon as you can with the information you have just absorbed. Continue to learn, as well as implementing information already learned. You will soon get the results you always wanted.

Tips Every Credit Card Owner Should Know

It may be very challenging to sort through all of the credit card offers you get in the mail each day. They will tempt you with low rates and perks in order to gain your business with them. How do you decide which to choose? This article has tips to help you learn all about charge cards.

It is a good idea to have a couple of open bank cards. If you can pay your bill in full each month, this number of cards will help you to improve your credit score. However, if you have over three, a lender may think that looks bad when pulling up your personal credit bureau report.

Learn how closing a line of credit will affect you prior to closing it. Sometimes closing charge cards can leave negative marks on credit reports and that should be avoided. In addition, if you have cards that make up a large portion of your entire credit history, try to keep them open and active.

Do not apply for a new credit card before understanding all the fees and costs associated with its use, regardless of the bonuses it may provide. Make sure that you go over the fine print because a lot of these charge cards will have terms that are very specific on qualifying for bonuses. For example, you may need to spend a specific amount within a certain period of time in order to qualify for the bonus. Be sure that you’ll be able to meet the requirements before you let the bonus offer tempt you.

Odds are you’re well aware that late fees can be killer, but keep in mind that fees for going over your limit can also be quite harsh. These fees can be very expensive and both will have a negative impact on your credit score. Keep an eye on your finances, and don’t go over your limits.

Take care to read all emails and letters that come from your credit card company when you receive them. Bank cards companies can change their policies, fees and interest rates so long as you receive a written notice that they are doing so. If the terms are not ones that work for you, cancelling the card is an option.

Don’t use passwords and pin codes on your credit cards that can easily be figured out. Never use your birth date, children’s names, middle name, or anything else that could be figured out easily by someone looking to steal from you.

Make sure that you do not order any credit cards in the mail if you do not have a lock on your mailbox. Lots of credit card thieves say that they have taken cards from people’s unlocked mailboxes.

Credit Card

If you make credit card purchases online, do not do so from a public computer. Public computers in coffee shops and public libraries could store your information, ready for a thief to retrieve and use it. If you use these and put credit card numbers into them, you could face a lot of trouble later on. For credit card purchase, only use your personal computer.

Don’t make a written record of your credit card’s PIN or password. It is critical that you can recall your password, so you remain the only person with access to it. If you write down these passwords or pins, you could potentially give someone who you do not want to have access to your accounts an open door to them.

Never give in to the temptation to allow anyone to borrow your credit card. Even if a close friend needs to use one, don’t do it. They may make too many charges or go over whatever limit you set for them.

Prior to shopping online with a credit card, it is important to know that you are buying from a reputable merchant. Call the company to be sure they are still in business, and never buy from a store that has no street address listed.

Credit Bureaus

IF you plan on shopping around for a secured card, don’t use a prepaid one. These are considered debit cards so they don’t report to any of the credit bureaus. Many prepaid card providers also charge extortionate fees for each transaction. Place a deposit and get a proper secured credit card which will report to all major credit bureaus and raise your credit score.

Skip using your credit card for food items as this can take longer to post on your bill than other debts, which will make keeping track of your finances more difficult. This can cause you to spend more than you would like to because your credit card balance will appear lower than the amount you are actually responsible for.

Credit Card

Always review your credit card statements carefully. Look for inaccurate charges as well as charges you didn’t make in the first place. Report any discrepancies to the credit card company right away. This keeps you from paying more than you should, and it can also protect your credit score.

While you may be a little tempted to purchase most things with a credit card, small purchases should be avoided if you can. Many retailers require a minimum purchase amount to use your credit card. Keep your card for items that cost more than $10.

Credit Card

If you can, always pay your credit card balances in full. Unless your credit card has percent interest, you will have interest added to the unpaid balance every month that you have not paid off the complete balance. By paying only the minimum payment, you are increasing the amount of time it will take to pay off your bill considerably.

Consumers are constantly bombarded with offers from credit card companies these days, making it hard to decide which offers to take. With some knowledge and research, dealing with bank cards can be more beneficial to you. This article has provided some valuable advice that can help consumers to make educated credit card decisions.

You will be a pro as long as you continue to learn more about finance market today. Use what you have seen here to give you more knowledge so you’re sure you are doing whatever you can. Consistent effort will guarantee that you will achieve the success you’ve always wanted.

Foreign Exchange Will Get You Ahead In The Long Run

Foreign Exchange trading offers the possibility of tremendous profit, but many are hesitant to take advantage of that offer. It might seem too challenging. When investing money, it’s wise to use caution. Prior to investing, you should properly educate yourself. It is important to keep up with information about foreign exchange. These tips will help you become successful in Foreign Exchange trading.

Study the financial news, and stay informed about anything happening in your currency markets. News stories quickly turn into speculation on how current events might affect the market, and the market responds according to this speculation. You should establish alerts on your computer or phone to stay completely up-to-date on news items that could affect your chosen currency pairs.

When trading, have more than one account. One is a testing account that you can play and learn with, the other is your real trading account.

Thin Markets

Stay away from thin markets when you first begin forex trading. Thin markets are those in which there are not many traders.

Do not just follow what other traders are doing when it comes to buying positions. Traders on the currency exchange markets are no different than other people; they emphasize their successes and try to forget about their failures. Even if a trader is an expert, he can still make mistakes. Use only your trading plan and signals to plot your trades.

Make sure you practice, and you will do much better. Try to practice live trading with a demo account so you can have a sense for foreign exchange trading without taking lots of risk. A large number of forex trading tutorials exist online to help you get up the learning curve faster. Prior to executing your initial real world trade, you should do everything possible to gain information and have a good understanding of the process.

Stop Loss

It is a common misconception that stop loss orders somehow cause a given currency’s value to land just below the stop loss order before rising again. This is entirely false. It is very risky to trade without setting a stop loss, so don’t believe everything you hear.

Be sure not to open using the same position every time. If you don’t change your position, you could be putting in more money than you should. Look at the current trades and alter your position accordingly if you want to do well in Foreign Exchange.

Foreign Exchange

It is possible to practice demo Foreign Exchange for free. By going to the foreign exchange website and locating an account there, you can avoid software programs.

By allowing a program to make all of your trading decisions, you might as well forfeit your entire account. The result can be a huge financial loss.

It is tempting to try your hand at every different currency when you are a beginning trader on the Forex market. You should stick with one currency pair while you are learning the basics of trading. Do not invest in more currency pairs until you have gained a better understanding of Forex. You could lose a significant amount of money if you expand too quickly.

As a Foreign Exchange trader, one of the most important guidelines you should follow is that of learning when you should cut losses and exit a losing trade. Many traders leave their money hoping the market will readjust and that they can earn back what they lost. This is a very bad strategy.

Whether you’re new to Forex or have been trading for a while, it’s best not to trade in more markets than you can handle. It is best to choose from the principal currency pairs. Avoid becoming confused by trading across too many different markets. If you are juggling too many trades, you are more likely to become careless with your choices.

In order to find out what the average gain and loss is for a market, you can check out the relative strength index. This index can be used more to tell you the potentialities of a market, rather than the value of your investment. It might be wise to rethink an impulse to make investments in historically unprofitable areas.

Unlike the stock markets, foreign exchange does not rely on a centralized, physical exchange. Natural disasters do not have a market wide impact in forex. There is no panic to sell everything when something happens. Major events can definitely affect the market, but the effects will probably be localized to specific currency pairs.

Forex trading is happening all the time, so news and updates are constantly available online. Twitter, news channels, and other internet services can give you information. There is definitely no shortage of information. Nobody wants to miss out on the latest news about money, so it’s a hot topic.

Knowledge is gained in incremental steps. You need to be patient; if not, you will quickly lose the money in your trading account.

You can improve critical thinking capabilities by trying to make conclusions based on charts and data. Synthesizing information from data coming from different sources is essential in Foreign Exchange trading.

Create a plan. Trading without a plan is a disaster waiting to happen. With a plan, however, you can focus on making logical, sound trades.

You do not want to get too emotional. Always be calm when you make any trading decision. Keep your mind on what is in front of you. Remain cool and collected. Self-possession and rationality are essential to your success.

You must learn as much as you can before you begin to trade in forex. Understandably, some individuals might hesitate starting an investment in Forex. If you’re ready to start trading, or have already started, use the tips mentioned as a part of your strategy. It is vital that you continue to stay on top of current news and events. When you are spending money, ensure that you make sound, knowledgeable decisions. Hopefully your profits will reflect very smart investing!

Everybody wants to know about daily finance. Now you should see that you are armed with all the information you need to be successful. You may feel a little awkward at first, but don’t worry. That is perfectly normal, and you will be able to hang with the pros shortly.

Bankruptcy And You: Tips For Recovery And Rebuilding Credit

Many people are terrified every time to hear the word bankruptcy. Increasing debt, along with being unable to support a family can be an actual nightmare for some. If that thought scares you or if you’re already living in this horror, you can use this advice.

Exhaust every other option before making the decision to file for personal bankruptcy. Look into other options, such as consumer credit counseling. Be sure to consider all options before filing for personal bankruptcy, as this will take a large toll on your credit score for the next ten years.

Don’t give up. Many times you can get repossess property back once bankruptcy has been filed. There is a chance that you can get back your property if it has been less than ninety days since repossession. Consult with a lawyer who is able to assist you in the filing of your petition.

Before declaring bankruptcy, ensure that all other options have been considered. If your debts are really not overwhelming, you may find the assistance you need by consulting a consumer credit counselor. You could even negotiate for lower payments. However, you should ensure that you always obtain a written record of all the changes to your debt that you’ve agreed to.

Many bankruptcy lawyers offer free consultations, so go to several before choosing one. Be certain to speak with an attorney, not their paralegal or law clerk, since they cannot give legal advice. Looking for an attorney will help you find a lawyer you feel good around.

Before you file for bankruptcy, make sure you absolutely need to. You might be better off consolidating your debt or availing yourself of some other remedy. Filing a claim can take a long time and cause much stress. You will have trouble getting credit down the line. Therefore, before you file for bankruptcy you need to consider all of your alternatives.

While going through this process, spend more time with friends and family. Filing for bankruptcy is a difficult process. It is extremely stressful and long, and it can leave you feeling ashamed of yourself. Lots of people think they need to hide from everyone until this is all done. But, keeping to yourself is likely to cause even greater sadness and despair. It’s imperative that you spend as much time with loved ones as you can, even in the midst of your financial dilemma.

Think about all the choices available to you when you file for bankruptcy. Before filing, talk with an attorney who can help you weigh all of your options. If you are facing foreclosure, consider a loan modification plan. There are many ways in which a lender can make adjustments that will be helpful to you. Among them are extending the loan, forgiving late charges and reducing the interest rate. When push comes to shove, creditors want their money, and they are willing to make concessions to get it and prevent the debtor from declaring bankruptcy.

Do not forget to enjoy life a little once you get through the initial filing process. It’s easy to be stressed during this time. You do not want to have to deal with depression in addition to your financial troubles, so you should take steps to keep yourself happy. Life will surely get better after you finish this process.

Chapter 7

Before you decide to file for Chapter 7 bankruptcy, you should consider what your bankruptcy might have on others, as your family and friends may be affected. When you file a Chapter 7, your debts will be dissolved. Any co-debtor may well be held responsible for paying off the total remaining amount of the debt, though.

Make sure the time is right when you file a bankruptcy claim. Timing is very important when it comes to personal bankruptcy filings. Sometimes, you may need to file quickly; however, at other times, you should wait until the worst is over. Have a chat with a bankruptcy specialist to discover when the ultimate time would be for you to file.

Before you even consider filing for bankruptcy, familiarize yourself with the laws surrounding this process. As an example, it is prohibited for someone to transfer assets from the filer’s name for one year prior to filing. Maxing out your credit cards immediately before filing is also illegal.

If you know that you are about to file for bankruptcy, don’t exploit the information asymmetry and get huge cash advances on your credit cards. This is fraud, and you will be required to pay that money back.

Realize that bankruptcy may be better for you when it comes to your credit. Continuing to miss your payments can be really bad on your debt. While bankruptcy will show up in you credit file for the next 10 years, you can begin the process of making your credit situation better right away. This is why people call bankruptcy a fresh start.

A lot of individuals who have found themselves filing for bankruptcy think that they will never borrow money or use a credit card again. This is not wise, since credit cards can help to rebuild credit. You will not be able to get your credit back to a respectable score if you don’t use credit. Begin to go down the right path by obtaining a single card.

Before filing for bankruptcy, it is important to still be smart with your finances. The period before your filing is not the time to run up additional debts. The courts and your creditors will be looking at your current, as well as past, credit history when adjudicating your bankruptcy. What responsible behavior will ultimately demonstrate is that you’re on the right path. The longer you’re able to show this, the more seriously you’ll be taken by creditors.

Bankruptcy can be quite frightening, so it is understandable that many people are afraid of it! Though the fear may be great, you can alleviate some of that with this article. Use the bankruptcy information in this article to make your financial life yours again.

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Don’t Be In The Dark About Bankruptcy

TIP! If you suspect that bankruptcy filing may be a reality, don’t try to discharge all your debt in advance by emptying your retirement or saving accounts. Avoid touching your retirement accounts whenever possible.

Nowadays, the economy is not in very good shape. A poor economy means more people than ever have debt and are losing their jobs. And these debts get to the point where people end up filing for bankruptcy. If you or someone you know is in jeopardy of going bankrupt, then read this article to figure out how to get out of this situation.

TIP! Don’t hesitate to give your attorney a heads-up about something she has missed. Don’t assume that they will recall every detail that you go over with them without a friendly reminder.

Make certain that you comprehend everything regarding personal bankruptcy by studying online. You can learn a lot on the U.S. Run a quick Internet search to find out all the different agencies you should be contacting or visiting via the web to find out what you can. The more you know, the better equipped you’ll be to make the wise decisions needed for a successful bankruptcy.

TIP! After filing for bankruptcy, you may have difficulty getting approved for unsecured credit. If so, apply for a secured credit card.

Be sure to bring anything up repeatedly if you are unsure if your lawyer is focusing on it. It is wrong to assume that your lawyer will remember every word you ever utter! All information submitted to the court with your signature needs to be double checked.

TIP! Be honest when filing for bankruptcy. Don’t hide liabilities or assets, as they’ll come back and haunt you.

Prior to filing for bankruptcy, research which assets will remain exempt from creditors. The Bankruptcy Code lists assets considered exempt from being affected by bankruptcy. You can determine exactly which of your possessions are at risk by consulting this list before you file. If you are not aware of the rules, you could be setting yourself up for a lot of stress when your most important possessions are taken in the bankruptcy.

TIP! Never give up. When you file for personal bankruptcy, you may even be able to retrieve personal property that has been repossessed.

You are going to get found out and get in trouble if you don’t disclose all your assets, so be totally honest from the beginning. It is necessary to be open regarding both the positive and negative aspects of your financial life. Don’t hold anything back and formulate a smart strategy to deal with the reality you are facing.

TIP! Do some research to find out more about Chapter 13 and Chapter 7. Chapter 7, for example, will wipe away every one of your outstanding debts.

Never pay for a consult with a bankruptcy lawyer, and ask plenty of questions. Most attorneys offer a free consultation which you should take advantage of. Meet with a few before finalizing your plans. The lawyer who properly answers your questions is the one you should hire. There is no need to offer an immediate hire, so take your time. Take the time to meet with a number of attorneys.

TIP! Safeguard your most valuable asset–your home. Filing for bankruptcy does not mean you have to lose your home.

Do some research about laws and legislation before filing. Laws are subject to change, and it’s important that you’re educating yourself about current code only. To learn about the changes, you should check out the website of your state’s legislation or you can call their office.

TIP! When you file for bankruptcy, you should be very aware of your rights. Certain unscrupulous creditors will try to convince you that certain debts can’t be discharged in bankruptcy.

Ensure that you bankruptcy is your best choice. Many times a consolidation loan will ease your financial struggles. Bankruptcy is a stressful process. It will affect your access to credit in the future. Therefore, you need to be sure that you really have no other option than to file for bankruptcy.

TIP! File at exactly the right time to maximize the effect of your bankruptcy. Proper timing is important, especially when it comes to personal bankruptcy.

Chose the proper moment to make your move. When filing for personal bankruptcy, it is very important that you act at the correct time. Sometimes, filing as soon as you can is best, while other times, it is wise to get past the worst problems first. Discuss your particular situation with your bankruptcy attorney to determine the best time to file.

TIP! Banish the word “shame” from your vocabulary before you file for bankruptcy. Feelings of low self-worth, shame and guilt are common for those who have come to the point where bankruptcy is their only option.

Make a comprehensive list of all of your financial information before you file for bankruptcy. Omissions or errors may cause your case to take more time to resolve, or even be rejected entirely. The most meaningless, innocuous finance or expenditure needs to be listed when you file a claim. This can include side jobs, any vehicles to be counted as assets, and any loans you may currently have.

TIP! Avoid large cash advances from credit cards when considering bankruptcy. You may think these debts will just be washed clean, but you are wrong.

Consider any other options available before filing for personal bankruptcy. Credit counseling is an important option for you to pursue. There are many non-profit debt counseling services available. They’ll talk to creditors and strive to get both your payments and interest rates lowered. Payments are then made to the creditor via the counseling service.

TIP! Go over the debts you are currently paying off before filing for bankruptcy. Bankruptcy rules generally outlaw repayment of creditors in the 90 days leading up to a bankruptcy filing, a period that is extended to one year when it comes to payments made to family members.

Never take huge cash advances directly from your credit cards before you file for bankruptcy, since you know that all debts will be erased from these cards. This is against the law and it is fraud. After the bankruptcy process you can be made to pay it all back to the creditor.

TIP! Know that ultimately, bankruptcy could get you a higher credit score than to keep making late payments or missing payments altogether. Yes, the bankruptcy will stick around for a whole ten years, but the clean slate you get from filing will help you get back on the right track quickly.

Be careful on how you pay your debts before you file a personal bankruptcy. There are bankruptcy laws which forbid repayment of some creditors within three months before filing. In the case of family members, this period of time may extend to a full year. Learn the rules regarding bankruptcy before making any final financial decisions.

TIP! Make your decision wisely when you select a bankruptcy attorney. This type of law is a popular attraction for inexperienced newcomers.

The first step to making your bankruptcy successful is to turn over a new leaf and decide to manage money better. Do not take on more debt or use more of your current credit. Creditors and judges look at your current and past financial history when they make a decision about your personal bankruptcy. Try demonstrating that your current behavior and financial habits have positively changed.

TIP! Remember to include all the debt that you want to eliminate when you file your bankruptcy papers. Debts that you leave out of your filing paperwork will not be addressed during the bankruptcy proceedings.

Write down a list of every debt you have. After this, you can file bankruptcy, so make sure this document is accurate. Go through your papers and records so you are certain about actual amounts. Take your time with the process of filing for personal bankruptcy. It is important that all of the numbers and debts included in your case be included accurately.

TIP! One common contributing factor for bankruptcy is the financial consequences of filing for divorce, so make sure to consider your plans carefully. Many people file for bankruptcy right after getting divorced because they cannot deal with their financial hardships.

Even though our economy is slowly improving, many people still do not have jobs or decent wages. If you don’t have steady income, you might still be able to avoid bankruptcy. Hopefully, after reading this article, you picked up on a few of the things that will help you avoid filing for bankruptcy. Hopefully better things await you in the near future.

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Everything You Have Always Wanted To Know Abour Couponing

The economy today has many people worried about their budgets. Finding as many ways as possible to stretch your dollar will help to ease the strain. One method of saving money is by using coupons. Find out how to obtain the maximum savings from coupons by reading the tips contained in this article.

Having a coupon does not mean you should run out and buy the item immediately. You are actually wasting money if you’re buying stuff that you won’t use. Just use coupons for products you had been really thinking about buying anyway to prevent investing unnecessary money.

Understand coupon policies for wherever you shop. Is the store going to accept coupons from competitors? What about computer printed coupons? If you are not familiar with the coupon policy, you will not know if you can use your coupon at the store.

You should try to maximize your usage of coupons to get the largest discount. By using several coupons, you can purchase more merchandise. Stock up on the products that you use most. If there is an item you will use and have several coupons for it, use all the coupons at once.

Competitor Coupons

Stores that accept competitor coupons may prove the most effective place to shop, especially if they already have good prices. If you find that your neighborhood store will accept the competitor coupons and perhaps even double them, you have found your go to store!

When shopping at the store with coupons, make a list. Put your coupons somewhere you’ll remember them — and make the list handy to your dad when he shops. Keep track of the number of each item that you want to buy, as well.

Use the cutthroat tactics of grocery store competition to your advantage. Coupons might be honored at a competing store of the one that published the coupons. You’ll be able to save money buy going to different stores. The cost of the gas you use to get to various stores may negate the savings you realize when using the coupons.

It’s a good idea to have your coupons easily accessible whenever you go shopping, even if you have no specific plans to use them. You never know if there’s an in-store sale and you want those coupons you need to be accessible when you shop.

Many online coupon forums post deals. In these forums, you can find many postings on coupons that you can use to save money. You can print out coupons of your own, but also read comments about whether certain coupons are worthwhile.

Be sure all your coupons get scanned right once you get to the checkout. It is shocking to learn that lots of coupons fail to scan, due to problems with the store computer or the coupon itself. Keep an eye on the cashier when they’re scanning your coupons by watching the screen.

Demonstrate your loyalty to your favorite businesses and brands by “liking” each one on Facebook. Often, when you like a product, the manufacturer will make you privy to exclusive deals and coupons. Many companies reward their biggest fans, so you should try your best to become one of them.

Look on the Internet for coupons. Lots of websites let you print coupons directly from your own printer. You can put a lot of coupons on one piece of paper. These online coupons work just like the ordinary kind you’re used to clipping out of magazines or newspapers.

A useful idea for couponers is to always keep coupons in a place where they cannot easily be forgotten. People oftentimes forget their coupons when they go shopping. Put yours where you will see them to avoid this.

Remember that many people are trying to save money at the store, so don’t let using coupons embarrass you. The economy has made things tough for a lot of people, so saving money has become a priority for many. There are a lot more people trying to get the most out of each dollar. You should not be embarrassed about saving your hard earned cash.

Coupon codes offer great savings on your online purchases. Most online retailers have such features that you can save money with. Just use Google or another similar search engine. The best way to find coupons with current codes is to search by date. For instance, search “Taco Bell July 2012 Coupon” for coupons you could use in July of 2012.

Search engines are a great resource when looking for web-based deals. Make sure you look for valid coupon codes whenever you make an online purchase. It is possible to find promotions for purchases at online retailers, prepaid cell phone minutes or free shipping from various vendors.

If you want to save money on prescription medications, surf the websites of their manufacturers. In order to retain customers, many drug companies offer discounts on their products. If they don’t offer coupons, they might have a loyalty program you can take advantage of.

Warehouse Stores

Think about patronizing warehouse stores in addition to clipping coupons. Warehouse stores provide discounts on bulk items. When you buy a lot of one item, they are often offered at a discount, and then you can save even more when you have a coupon. You can get the most from your budget this way.

Coupons can save you a great deal of money. Ideally, you are more educated now in the use of coupons. Finding and employing coupons is very easy. With a little effort, you can begin saving money today on the things you buy.

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Tricks On How To Get Good Auto Insurance

TIP! Keeping your license clean is crucial when it comes to how much you pay for insurance. Your insurance will be very expensive if you have a lot of traffic citations and accidents on your driving record.

The price of insurance is based on several factors, some of which can be changed, and some which cannot. One way to lower your insurance premiums is to choose higher deductibles. This article discusses what you need to know to obtain the best prices on car insurance.

TIP! When considering the purchase of aftermarket additions for your car, be sure to check how much your insurance company will cover if your car is stolen or damaged. Most insurance companies do not provide coverage for these parts, but they will pay for what the value of your car is with these parts added on.

Consider all your options prior to purchasing insurance. Each insurance company will focus on different factors when deciding the cost to you. By shopping around, you can really save money.

TIP! If you are looking for car insurance for a teen driver in the family, shop around for adding them to your existing policy, in addition to them getting their own. Many times it may be cheaper to just get a different policy.

Lots of people hold the false belief that insurance rates magically drop at 25. Actually, a drivers insurance rates gradually start to go down when they reach the age of 18 provided that the driver has a clean driving record.

TIP! It is a common belief that the rates a young driver pays for auto insurance decrease as soon as that driver turns 25 years of age. Actually, rates start dropping around age 18, so long as the driver has a solid record of safe driving.

Certain vehicles are inherently more expensive to insure than others. If you like expensive things, your insurance will be expensive. Choose a vehicle that’s safe and modest to receive the lowest insurance rates.

TIP! Do not allow your insurance to lapse or your rates will increase. If you keep switching insurance policy providers, your coverage will lapse, and rates will increase.

It is always possible to purchase additional coverage in excess of what the law requires. You will have a higher premium with these, but they may be worth it. Using uninsured motorist protection protects you from financial liability if you are the victim of a hit-and-run accident, or if any driver that causes you damage is not carrying insurance.

In an effort to keep insurance premiums affordable, avoid switching cars among family members. The fewer names on the insurance policy the better the price for your auto insurance.

TIP! Before you buy additions for your car, ask yourself if you really require them. A decked out stereo system or toasty heated seats are nice to have, but they are not necessities.

As you shop for auto insurance, remember that your coverage may only apply to the driver named on the policy itself. Sometimes, people allow a friend to borrow their vehicle, but if this friend wrecks, your insurance company will not pay for the damage. If you have people driving your vehicle on a regular basis, you could purchase coverage that covers additional people. However, this comes at a higher price.

Ask Yourself

TIP! With the correct insurance policy, one could save a great deal of money in the event of damage to their vehicle. On top of your insurance premiums, you will have a deductible that needs to be met before the insurance company will cover any of your costs.

Before you buy additions for your car, ask yourself if you really require them. Some things are nice to have, but ask yourself if the money you are spending is really warranted. Under the terrible chance that your car is destroyed or stolen, the insurance company is not going to cover all those expensive additions you have placed under the hood. In the end, the upgrades will only lose you more money than they are worth.

TIP! If while comparing insurances you find lower competitive rates, bring the rate to your current agency immediately. Often, companies will reduce your rate accordingly to keep a competitive edge.

Make a detailed checklist of the discounts that the insurance company offers, then tick off all the ones that you qualify for. The amount you can save with discounts can be shocking.

There are wide variations among insurance carriers. You can always shop around to receive competitive quotes from different companies so you can choose the pricing that fits your needs.

Check rates with several auto insurance companies before choosing a policy. You will only get the best rate by shopping around.

Keep the drivers covered on your policy current. Adding more drivers to a policy will cost you money. Do you really need to cover more than one driver?

TIP! Oftentimes, drivers over 55 years old enjoy discounts on their auto insurance, as do many people who’ve taken defensive driving courses. Any discount that you get on a insurance policy is a nice one.

If you drive no more than 7500 miles annually, you will likely qualify for a sizable discount from your insurance company. Discounts, such as these, make driving less worth it when it comes to insurance.

TIP! Of course, you will pay more due to your record, but not all insurance companies calculate premiums the same way. Some even specialize in helping drivers with a few marks on their record get a better rate.

Make sure you know what people are saying about the insurance company you’re thinking of signing with. Looking for car insurance isn’t only about the lowest rate. It’s common for insurers to offer low rates because they engage in underhanded schemes to weasel out of paying when you get in an accident.

TIP! Being a good driver can lower your auto insurance premium. If you stay accident-free and avoid traffic violations, you may qualify for good-driver discounts.

If you have any outstanding traffic or parking tickets, be sure to pay them before switching auto insurers. Insurance companies are definitely going to review your driving record; you have no excuse for failing to resolve easy problems like paying the fines you owe. Making sure you obey the law will help keep your insurance premiums lower.

TIP! The main auto insurance companies will often give large discounts to buyers who insure all of their drivers with one company. You can generate hundreds or thousands of dollars in savings every year by insuring all of your vehicles with the same company.

If you want the lowest insurance rate, opt for the highest deductible. Even though you will be held responsible for repairs in some cases, a high deductible covers you in other ways. If you have a car that is of little value, the sensible choice is to pay a high deductible.

Auto Insurance

TIP! If one of the drivers on your policy obtains individual insurance, make sure that you remove that person from your policy so that your premiums are lower. For example, once your child is old enough to purchase an insurance policy independent of yours, ensure that they have been removed from your policy to cut the costs of your premium.

Sometimes being a part of a well-known organization can help you get discounts on an auto insurance policy. Being affiliated with one of these organizations can get you a discount on your auto insurance. There are many organizations that can help you get a discount, including credit unions, and popular organizations such as the AARP.

TIP! Consider taking off the coverage of a rental in your policy. You’re probably paying for it in every payment and not getting any use out of it.

Many factors are looked at to determine your auto insurance rates. Marriage, gender and even age are all considerations. If you are aware of how these factors will affect your rates, you can shop more effectively.

TIP! Insurance companies usually have the right to drop your policy at any time in the first sixty days for any reason they want. The insurer will then look at your record to ensure that you are not too high risk.

Be sure that everything noted on your car insurance policy is correct. Intentional inaccuracy may result in outright denial of claims and accidental inaccuracy may result in higher premiums. Check your home address; is it correct? Vehicle make, model and year? You premium is also based on your yearly mileage so be sure that it is accurately reported if you drive less that the average driver.

Insurance Terminology

TIP! If you have a body shop that you trust, ask them for insurance recommendations. Body shops always have to deal with insurance companies.

Understand the basics of insurance terminology before you start shopping around. Individual states have different requirements, but basic insurance terminology and concepts remain the same. Before speaking with an agent, do research online about potential products and policies you are interested in so you can ask better questions when it comes time to purchase coverage.

TIP! Make sure you keep accurate records of any modifications you have made to your car or any accessories you have installed. Proof of the value of those items will allow the amount of any losses from damage or theft to be confirmed.

As recognized earlier in the article, you can change some of the factors that affect the cost of your auto insurance. You can control your annual mileage, the quality of your driving record or your place of residence. If you learn all you can about these things you can save money on insurance.

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Work From Home Business Advice That Will Help You Make More Money

Starting a business from home and being your own boss is something millions dream of. The only way to be successful is to learn all you can, though. Apply the advice in this piece and start a lucrative, efficient business.

Dress for work, as if your customers will see you. If you work at home, you might not want to change out of your pajamas to start working. Dress up for work like you would for any other business. Getting dressed professionally will help you feel professional and improve your productivity.

Schedule your work hours, and stick to your plan to ensure that you also get adequate personal time. Establish a cut-off time, and stop answering business calls after that time. Take the time to enjoy yourself with your family and friends.

You need a post office box for business mail. Avoid using your home address when posting online. This is particularly important if you also have family living at your address.

An office is necessary when you are based at home for work purposes. Your office should be inviting, but it does not have to be large. Your office should provide a quiet atmosphere where you can be inspired, productive and efficient. It doesn’t matter what size it is, you can do well in any space with the right planning.

Business Enterprise

Before establishing your home business enterprise, you should speak with a local business attorney. Certain states have particular laws when it comes to starting a home business enterprise. Having a good business lawyer will make sure you are aware of applicable laws and how to follow them, preventing problems as you proceed.

It is not hard to promote a business once you know what you are doing. Having a well-designed website is vital for just about any business, so think about setting one up. You can create your own website in only one day. Most of the time, this can be done for free. Paying the fee can will be a minor sacrifice if you can return big profits.

Save all of your paperwork regarding your business for seven years. Most of the expenses you incur as a business owner, from transportation costs to office equipment, can be deducted from your taxable income. Save all receipts associated with these expenses, as a lot of them will end up being deductible. Without all your business receipts, you might be paying Uncle Sam more than you actually owe.

When you borrow money for a business, you open yourself to unwanted scrutiny by your investors. Put your thoughts to how to be the most effective with the funds you have.

Get a DBA (Doing Business As) license when you register your company with the state. In many states, this can be done through a state government website or even through the bank you use locally. It doesn’t cost much and ensures your business accounts are separated from your personal ones.

It is essential to let your family and friends know what your work schedule is, so that they know to give you time alone during those hours. If you have a friend who likes to drop in or a relative who always shows up early for visits, tell them nicely that you are working. If they arrive during your work hours, ask them to go somewhere else in the house and read a magazine or watch television until it’s your break time.

You could make a home business out of selling used books. There are many locations online that make it easy to sell your old books. Do not limit yourself to only one website. Rate these sites by their reliability, ease of use, and quick answers to seller questions. Just because the book is listed at a certain price does not mean you will sell it for that much. While a site may offer great deals on books, the prices can be costly sometimes.

Business Owners

Online communities that cater to home business owners are springing up left and right. Seek out online forums that are devoted to your type of business or service you provide and also others that aren’t in your field. Reading about the experiences of other online business owners can assist you in many ways. You can learn more about your business from mentors on these forums.

Discuss the possibility of advertising your business on the sites of other owners of home businesses, and do the same for them. Your website traffic will increase, and your ranking will also rise in the search results. Advertise your business prominently and display links to your own and others’ sites so that readers clearly understand where the links will take them.

One good tip for a work from home business is making sure to log your business mileage. This could be deductible, so long as you have an accurate record keeping system.

Visual aids, such as a motivational board, may help with your goal setting and achievements. Cut pictures containing images of what you hope to gain from success that may represent the purpose of your future profit. This vision board can help serve as your daily motivation. )

It’s unnecessary to spend a lot of a money on a server for your home based business. You can save money and time by paying for server space that you share with others instead. This is referred to as virtual hosting, and likely provides everything you need. You will not need a dedicated server unless you plan to have a bustling forum or a bunch of videos on your site.

Many people want to work from home. And, to succeed, you need some great advice and information on home businesses. This article will give you an advantage over your competition, so that you can achieve your goals.

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